前面几个热心的MM已经提到你应该check with the HR in your company to find out the basics about your current insurance plan, especially the plan year (什么时候开始，什么时候结束) and the open enrollment period. 很多Plan只能在open enrollment的时候加上applicants的。Missing the enrollment往往导致要等到下一年的open enrollment 才能加入。

One alternative, if you don't feel comfortable for your husband go without coverage for a few months, he can choose to buy COBRA. COBRA gives your husband the right to choose to continue group health benefits provided by his group health plan for limited periods of time should be choose to quite his job voluntary.