I live in Massachussetts, so Im not sure if this applies, but: When you receive disability, you get Medicade or Medicare. I dont know if your family would then be eligilbe too, but...If not, they would then qualify for some form of Masshealth (which is for those who dont have a job, and have no other way to pay for insurance.
A good friend of mine is on disability, and has medicade AND Masshealth. Her son has full health insurance with Masshealth too. She is single, however. Im not sure about your husbands employment (self0insured, the insurance cost is too much , etc.) But, it is certainly something you should look into in your state, as I think they vary from state to state. What Ive noted above is , as I said, what happens in Massachusetts. We have ALL KINDS of new laws here (big surprise) being established, so its been changing.
But, anyway, call your local social security office and find out what they offer for insurance when one is aproved for disability (ask if its for you only, or your whole family) , and then call your state's welfare dept and ask about insurance for them if you were to become disabled.
Good luck, let us know what happens
For God has not given us a spirit of fear; but of power, love and a sound mind. 2 Timothy 1:7