Also note that all these numbers really depend on location. 80-100K out of college in Minnesota (where I am) would be insane. I know people with 15 years experience making 100-120k.
Now if you are in the Bay area making 32K, that sounds weird, otherwise, start investigating salaries in your area.
You need to buy insurance for your IT job? Please describe. I've never heard of this before. Are there different standards for employee fault in different states? Are there any notable court cases?
I did once work at a place where employees were financially liable for the cost to the company of any mistakes they made, but I assumed that was legally along the same lines as the company's policy of not sending employees 1099s until we threatened to report them to the IRS. We were all hourly, scheduled "independent contractors" too.
(And I hear you on the salaries since I'm making $0 a year and looking for one of those $32k a year jobs. I can understand kick-ass coders with experience making $80k and up, but to imply that I should expect that amount with my degree but no talent or experience? I'm not seeing it in the market.)
You're going to have to tell us more about your situation - where are you, what sort of company is it, and what is your general experience in software?
I'm not the OP, but I have had some experience with this when looking for my last job. I made the mistake of posting my resume on a popular tech job site, and the vast majority of contacts were from shady recruiters trying to get me to work 2 hours away in a "contract to hire" position where I would have to pay my own insurance. Making less than I was currently making, still employed at the time.
Perhaps this is similar to the OP. It was a complete ripoff - I think they were trying to take advantage of the massive layoffs going on in the tech industry in my area. The arrogance of these guys was unbelievable.
Where can I sign up for one of these horribly low paying $45-75k/year programming jobs?