Thanks for replying, I hadn't seen this earlier. I will have my husband look into the issue about being a dependent. I'm not sure how that would work for us, but I think it is worth looking into. I do currently work, but I work from home as a 1099 contractor. My wife is a writer, so she also works from home. Our husband works at the university which has a great healthcare plan, and he is currently carrying my wife. As I said earlier, I'm currently taking my COBRA option (where I can carry health insurance on my own for three years from my previous employer) but I'm 1.5 years into this option, so we will need to do something sooner rather than later. :-)
This is my own personal rant here, but the family plan for my husband's insurance is the same family plan that someone with 10 kids has. It is frustrating to me that I can't be added so easily.