Alaina,
I'm not sure I understand. Your husband is now on Medicaid. Are you still covered by your old policy? If so can you keep that coverage or do you have to change right now?

You are correct that you two have paid into the system and the purpose of that is if someone becomes disabled. You have evey right to take advantage of a benefit that you and your husband have basically purchased.

I don't feel that I have enough info to figure out the next step, but there must be a way that you can both get your needs met. If you want write bach with more info. ~mac