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/DecentDeer2818 Jul 04 '25

It’s definitely not close to being a fortune500/100 and the place I worked before had moneymoney so I was only paying $35 a month for a PPO plan. I need a gauge on working for a regular corporate office.

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u/KingLiam1901 Jul 05 '25

OP I am a health insurance broker although I work in the Midwest.

  1. I've never seen a company charge different amounts based on employee earnings. However, I think its excellent they're paying a greater amount for employees who earn less. I am not sure the accounting or legal structure behind this.
  2. The normal/standard amount for an employer to cover here in the Midwest is 50%. I do not know your industry or if New York has a different benefits culture, but here we would not expect more than 50% EE (employee only) coverage.
  3. I love that they pay for a portion of dependent's coverage. It may not mean anything to you if you do not have a family, but thats a generous investment from the company. Coverage of dependent's premiums can quickly inflate the cost.
  4. Those prices aren't unreasonable if the benefits are incredibly high - Say a $1500 or lower deductible with less than a $3,000 MOOP.
  5. If you're young and healthy and the savings of $100-150/mo makes a large difference to you, you might be able to find a lesser priced plan with significantly weaker benefits. However, if this is a strong policy, knowing the cost of everything is generally higher in NYC, I would take it.

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u/Initial-Cake-5359 Jul 05 '25

You're a benefits broker that's never seen salary banded contributions 🤔

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u/KingLiam1901 Jul 05 '25

Did I stutter?