For the past three years, the yearly increase of pay has been less than the
increase of medical insurance that I pay. That means I make less per year.

Well I do insurance and i hate to tell you this, you will never see a pay
increase that will keep up with insurance costs. The 3 year average i have
seen on group medical plans here in wisconsin is about 12% a year rate
increase. I hate to tell you this, but i doubt you will ever see that big of a
raise.