if your husband's work-based plan doesn't provide any coverage for prescription drugs it may not meet the standards under the law. i suggest you check with his employer to find out if it meets the aca's requirements. if it doesn't there is a possibility you can qualify for a tax credit to help lower the cost of insurance you buy through the marketplace. in most cases employer-based insurance is the best deal around even when it's pricey. still even if you don't qualify for a tax credit it may be worth shopping all of your options to see if you can find a plan at a cost you can cover.
my husband was diagnosed with metabolic disorder and high blood pressure. . his employer pays $200 toward his health insurance costs of $800/month. he is 62. we just can't afford these rates any longer plus co-pays etc. no prescription coverage. we pray he will qualify for new insurance. we lost our business 4 years ago and are building a new career. we are trying to hold on to our home. i am disabled and receive disability.