this new health care act is so confusing. . is it better to stick with a "bare bones" employer sponsored plan or should my husband try to obtain insurance through the new marketplace?
you need to confirm whether your husband's employer sponsored plan meets the law's affordability requirements. if the cost for just your husband's policy is less than 9. 5% of his income and the plan covers on average 60% of medical costs he won't be eligible for a subsidy even if your household income otherwise qualifies you. however if you're willing to pay the full cost of a health plan and wish to shop around for better coverage there's nothing stopping your husband from buying a plan on the marketplace.