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/[deleted] Jul 05 '25

Is the PPO the only option? These costs look similar to my workplace PPO and I only make 60k. But we also have a HDHP where the employer covers employee only and also gives $1000 toward the HSA. 

More and more where I live, they make the PPO costs so high that the only logical choice is the HDHP. And once you get used to it, the high deductible isn’t as scary as it was when they first came in the market. 

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u/dehydratedsilica Jul 05 '25

This is exactly what I was thinking. A close to $1500/mo full cost plan sounds high but what does it buy and what is it being compared to?

PPO (referring to a copay and/or "low" deductible plan since PPO is technically a network term) premium + PPO out of pocket max is so often greater than HDHP premium + HDHP out of pocket max - employer HSA contribution, if any, that I do a double-take and double-check my math when it's not. Also, there is a certain irony in that 1k would pass for a low deductible these days but was the "normal" HDHP early on.