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Umm I think that to get out of his employer insurance, you would need to have what they consider a qualifying life event. Like a loss of job, new birth, something like that. He would probably have to call HR to find out for sure. I have had individual insurance plans before and they're generally not very good--have you found any online that would be better than your current one? They used to not cover maternity, but from what I understand, Obamacare has changed that...still though, it's worth double checking because it seems like there are always exceptions that result in us getting screwed! You could look into AFLAC, but I don't think you could get covered for a pregnancy that's already existing.

A lot of plans don't cover anything until the dedutible is met... That's not unusual. My plan works like that. But we have a low out of pocket maximum so while medical expenses can be high at the beginning of a plan year it's still an amazing plan. And switching now doesn't seem like a great idea because you would have to start a fresh deductible on a new plan. If you really want to switch I'm not sure about a loop hole. At my work the only way to make changes outside of the open enrollment period is if you have a major life event (marriage, divorce, spouse loses their job, etc).

Actually this sounds totally normal to me. You usually pay 100% out of pocket until the deductible is met. Can you not get insurance through your job? if you're looking for private insurance, it's very, very expensive

If you qualify for another plan and can enroll on it, you should be able to drop your husband's plan at any time by submitting a letter of coverage from your new insurance to your husband's provider. It might be different with individual plans, though; you might have to call around and see what other insurance providers can do for you.

Otherwise, most insurance companies have either quarterly or annual enrollment periods when you may be able to unenroll. You'd need to talk to your husband's HR person to find out.

I actually just got a medical bill for the physical therapist I saw in March. I was like umm I paid my $50 copay so what gives? Have to meet your deductible! Oh. I didn't know what that meant until now. It's very common to have a deductible. $5000 is pretty high, ours is I think (just asked DH) is $500. So, once we meet $500 we don't get the medical bills (we just got married & on same ins so shouldn't take long to meet that.) And our monthly ins bill is $112. Call and see if you can get your deductible reduced. It may/may not increase/decrease your monthly bills.