 [ Symptoms ] i am married my husband works overseas and we support our 22 year old son who is in college my son has student health insurance right now and me and my husband currently do not have us insurance my husband will stay abroad for the next two or three years can i just get obamacare insurance for me and my son together will my husband be penalized for not having health insurance can each family member choose different health coverage with a different health provider [ Disease ] your husband does not need to carry insurance if he will be living overseas for the majority of the year and family members can have separate health plans you do not need to be covered by the same policy