If I am short just $5 for my insurance pay what happens?

In this example the Company takes all it can on for example your 16th paycheck. On your next check on the 1st if you can cover the $5 shortage you are now whole. If you cannot cover this shortage with your 1st check then you will be sent an invoice and you will have until 30 days from date of invoice. During this period you DO NOT lose your insurance coverage.