you and your husband can purchase separate policies if you prefer. your eligibility for a tax subsidy to help you purchase your policy if you qualify would be based on your household income. so if you are purchasing two policies you would each be able to use half of the credit. whether you should purchase an individual or a family policy based on you and your husband's health circumstances will depend on the policies available to you. you should look at whether the deductible applies to each of you individually or whether there is a family deductible. in the case of the family deductible your husband's health expenses may satisfy the deductible for both of you and it could be advantageous to purchase a family policy vs. two individual policies.
i have medical issues and my husband is healthy. . would it be more advantageous for us to have individual health insurance plans and deductibles?