Well threre is a lot more to health inurance than just the monthly premium. Deductible, co-pays, and covered level of well visits are ther factors you should consider for a proper comparison.
Find out from HR what the premium is for two children on your plan.
Find out from your husband''s HR what the premium is for two children on his plan.
Do some investion as to premiums - the internet is goos for this. And don't justlook at the teaser rates. Fill out the applications (on line) and get a proper quote.
Two final points - do you really want three different policies for your family? Often - and lets hope this doesn't happen - policies are written so that is two persons meet the deductible, the plan treats as if all have. With three different plans this is unlikely to happen. But if three of you were on the same plan, it might, which can be beneficial to you.
Lastly, be aware that most employer sponsored plans are paid with pre-tax deductions. As in, the $500 deduction for your child's health insurance doesn't really cost you the full $500. That cost is reduced by federal and local income tax benefit. BUT, most non-employer sponsored plans are paid with post tax dollars. So if the premium for the two children is $500 with a stand a alone policy, you really are paying $500 out of pocket.