Citi's health insurance has one potential advantge - premiums are based on total comp, which may make coverage more affordable for lower-paid employees. Some employees are seeing modest increases for 2027, I know someonw who is paying only $10 more per month for family coverage. But, there is always a but... others see premium increases of 30% to 40% or more, despite corp suggesting an increase of only 3%. Moving into a higher comp bracket may do this to you... And... the biggest issue is affordability. I know someone who's $1300 per month ($16K per yr) for family medical coverage, excluding dental and vision, while coverage through their spouse's employer reportedly costs $20 per month ($2.6K annually). That's a $13K annual difference, although the coverage is notidentical. Citi's compensation based pricing may benefit lower earners and that's ok, but for others, it can and will reduce the value of raises and bonuses. The question is whether Citi's benefits remain competitive when employees are paying this much out of pocket.