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If you are looking to purchase through the marketplace, you will still need to include your husband in the household. You will have to Include all of these people (the tax filer, their spouse if they have one, and their tax dependents) even if they don’t need health coverage.
The Marketplace counts estimated income of all household members who are required to file a tax return.
If you don’t have coverage for all or part of the year, you may have to pay a fee. When you apply, you can say which household members need coverage and which don’t.
You and your spouse can be covered separately.
That depends on your policy. A deductible is the amount you pay for health care services before your health insurance begins to pay. After that, you share the cost with your plan by paying coinsurance and copays.