 [ Symptoms ] i have health insurance paid by my employer  my husband was laid off in july but his severance package covers him until the end of november if i add him to mine or we take cobra is it going to cost a ton can he enroll as an individual or do we have to add to mine or take cobra [ Disease ] he can shop for a health insurance plan through the marketplace    he certainly does not have to hold onto cobra but if your company offers spousal coverage he likely will not qualify for a tax credit even if your income would otherwise qualify him still it is worth shopping to see what is available and to compare all your options before settling on any one plan