My husbands employer has taken his insurance premiuns out of his gross income which has made his gross income lower.
Actually his premium was taken out pre tax. Now on his w-2 it doesnt show up at all as if he never earned it.

yes meaning you did not have them taken out pretax
also since it was done this way you may be able to deduct the cost of the premiums and any other copayments or prescriptions on your Schedule A if you itemize