One of the biggest myths surrounding health insurance is that if your employer offers health care that they are the one paying for it. Unfortunately, even if your employer offers coverage and pays the bulk of it himself, chances are he is paying you less to compensate. Some feel that this is the cause of stagnant wages in recent years. With rising health care costs, employers are forced to either pay you less or ask more from you in contributions toward your premiums. In some cases employers will choose not to offer health benefits at all in exchange for offering a higher salary. Which do you think is more attractive to potential employees? Health benefits, or higher salary?