If I am married but separated from my husband, do I have to divorce him in order to get my own health insurance?
You and your husband can file for health insurance separately and can each enroll in marketplace insurance, but you wouldn't generally get cost assistance. As a rule of thumb people in a tax family must share a family plan. The exception to this joint filing rule is in cases of domestic abuse or spousal abandonment. You and your husband would need to get a divorce in order to purchase your own health insurance and remain eligible for Marketplace subsidies due to the way tax filing works (subsidies are based on household income).