Help a foreign newcomer!

I’m foreign and I don’t understand anything!

I am in AZ Ok I’ve been in the US for 5 years, most of that time I was on the mandatory university health insurance so I never questioned anything.

I come from a country with universal healthcare and I’m genuinely struggling.

Now I am working full time with benefits, I have BCBS HMO that I pay $140/m and I make $48K a year, salaried, the deductible is 6K, the copay for PCP is $40, specialist copay is $90 that even includes therapists…

My husband has been exclusively using marketplace insurance, he says his work insurance barely covers anything, so he gets BCBS HMO for himself and our two kids which he pays $140/m!!!!! The deductible is the same as mine but his copay is only $10. Idk how much his work insurance costs, but my husband makes slightly under 40K

I do have mental health things that require me to see a psychiatrist every three months and a treatment (ADHD treatment).

Should I just enroll with my husband on the marketplace and just share the insurance with my family or stay with my employer’s? What will it cost me with taxes? I do have two kids that I claim so I’ve never actually owed taxes, not a major concern but I do want some tax return to come back to me ya know.

Also, as a salaried employer my work health insurance doesn’t start at the start of the year, no it randomly starts and renews mid July. Can I even disenroll?

Please speak to me like I’m an absolute dummy, English isn’t my native language, I am not from here and I don’t understand anything.