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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24

u/DufflesBNA Jul 04 '25

No. I work for a fortune 100 company and everybody pays the same for healthcare. (In fact they have subsidies for those who’s earn below a threshold)

7

u/Hawthourne Jul 05 '25

In this example, the employer is chipping in more for the people who make less. Isn't that similar to subsidies? Or are you talking government ones?

3

u/pellakins33 Jul 05 '25

I think maybe they misread employer contribution

2

u/Hawthourne Jul 05 '25

I'm just shocked that the employees who are paid less get better benefits. Usually it is the opposite.

5

u/pellakins33 Jul 05 '25

I think that’s normal for most companies. They get other benefits like stock, but because the health plan is a pooled resource they tend to have higher earners subsidize lower paid employees