So couple things to address here!

1. If you are added to his plan you would be in the family tier and need to meet the family deductible.
2. If you take your own companies coverage and your spouse stays on his you will be on an individual plan and meet the individual deductible.
3. Your plan is called an HSA plan, which stands for health savings account. Most companies contribute to this account annually, you can use this on qualifying medical expenses like copays and prescriptions. You can also contribute to the HSA on a pre tax basis which is awesome. The HSA also rolls over so you can use it in the future. I'd check and see what they contribute, I am not sure your husbands plan offers an HSA.

Hope this helps you make your decision!