If you receive health insurance at work, your average cost for health care - including your contributions and out-of-pocket costs such as co-payments and deductibles - is likely to increase 7.8 percent to $3,305 in 2007, according to forecasts from Hewitt Associates, a human resources services firm for large companies.

A Hewitt survey of over 1,000 companies found that base salaries will increase an average of 3.7 percent next year. So, if you make $40,000 a year, that means you'll get a $1,480 raise, of which 16 percent will go towards paying for your increased health care costs.