Is my employer doing something illegal?

[Alan Fitzpatrick]

I recently started with a new employer and am in the process of being added to their health insurance. Their policy is good, premiums are low, deductibles low.. but they charge money to take time off. They charge $3 and some change per hour I don't work under 40 hours. 

If I work 79 hours, it's $3 plus the premium. Their payroll supposedly shows that it's earned each pay period, which in my eyes shows that it's wages, and they actually offer no coverage, or it's not earned wages, but wage theft if you miss because the document you sign to enroll has nothing outlining this. HR went over it with me, but it's simply in a folder, not anything I would sign to enroll.

It's not about the money, premiums are very low, it'll still be cheaper than most employers insurance with taking say 3 weeks off a year.

Hoping to get some opinions before paying for a specialized attorney.