Whew! Luckily it doesn't apply to me this year. I just checked my pay stub and it looks like it's after taxes. I called payroll/benefits, and they said I was correct. Apparently we have to opt in for it to be before taxes, because if you do that, you can only get off the insurance once a year, i.e., you have to pay the entire year's premiums, even if you want to stop your insurance. If you pay for it after taxes, you can stop paying premiums any time without penalty.
So, score one for being uninformed, woohoo!
Thanks again for pointing it out, though, McIrish. It was info worth having, and I know it will help someone else.