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

Plan Choice Suggestions Is this coverage pricing the norm?

Post image

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.

17 Upvotes

82% Upvoted

99 comments sorted by

View all comments

Show parent comments

1

u/Odd-Clothes-8131 Jul 05 '25

Where do you live cuz I’ve never paid more than $80 per month for low deductible health insurance in any job. Right now my health insurance through my employer is $8 per paycheck. Is it really this bad for other companies? If so I’m never leaving 😭

1

u/Comfortable_Two6272 Jul 05 '25

Wow. Never ever had that cheap even decades ago and working for large companies.

1

u/Odd-Clothes-8131 Jul 05 '25

Do you live in a HCOL area? I’m in NC

1

u/Comfortable_Two6272 Jul 05 '25

No, nothing like NYC. But employers here usually pay 1/2 to 3/4 of the single premium. This is for a low ded , low copay type plan vs the high deductible hsa plans. Could certainly be regional. Banking is the prevalent industry in NC? Right? Maybe more common in certain industries / regions?

1

u/Odd-Clothes-8131 Jul 05 '25

I have the HSA plan right now and deductible and OOP max are $1500 with $15/mo in premiums. But last year I was on the HMO plan which was $75/mo.

Idk about banking, this I the first I’m hearing that NC has banking jobs lol. I’m I RTP which is a biotech hub and my industry is pharma development. I’ve been I this industry for a decade and it’s pretty much been around $70-80 per month in every company I’ve worked for (for the PPO or HMO plan)