r/HealthInsurance • u/DecentDeer2818 • Jul 04 '25

Plan Choice Suggestions Is this coverage pricing the norm?

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Hi all,

I just got a job offer in NYC where the cost of living is crazy high, as you probably know. This is my first corporate job and I need advice/feedback on is this pricing structure for insurance is the norm.

I know you can’t believe everything you read on the internet but I’ve read that the general norm is for the employer to cover 80-85% of the monthly premium.

I would be earning less than 75k and only covering myself but the price still seems quite high? I’ve never paid more than $118 bi-weekly.

Thank you.

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u/laurazhobson Moderator Jul 05 '25

It costs your employer approximately $1500 to insure a spouse and they do subsidize a portion of that.

A company only has a certain amount of money which is can use for workers in the form of salary and benefits. The employer is already subsidizing a huge amount for spouses and children

If you aren't insuring your spouse and/or children would you want to have your salary reduced or your vacation accrual or other benefits?

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u/DecentDeer2818 Jul 05 '25

I think that’s a broader topic, but I see your point. I really was just hoping to learn what was average percentage that employees are paying in relation to their premium and coverage so I can figure out if this works for me.

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u/laurazhobson Moderator Jul 05 '25

I wasn't responding to you directly since you are insuring only yourself but to people who thought the premiums for spouse and child were "outrageous".

As health insurance becomes increasingly expensive employers are faced with difficult choices - do they want to charge more/reduce benefits for actual employees.

Employers with better benefits wind up essentially giving other companies a free ride since spouses choose the "better" more generous plan which creates the kind of pricing/

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u/PseudonymIncognito Jul 05 '25

Spousal exclusions are a thing in plans. My employer won't allow spouses to be covered if they are employed and have access to their own health insurance benefits.