 [ Symptoms ] i am in school and my husband is working i do not have health insurance because it is too much to add me to his policy can i get subsidies or will i be penalized for him not adding me to his policy [ Disease ] whether or not you are eligible for subsidies depends on your household income but if your husband is employer makes insurance available to spouses you may not qualify for a subsidy even if your income would otherwise qualify you for one so check first to see if you can get insurance through your husband is job if not then shop for insurance on healthcare gov