Yous husband need to consult with the human resources department at work regarding why he and you were given insurance cards where your medical insurance did not become effective until much later for such benefits. Consulting the insurance carrier would also be a good idea as well.What you have is not a situation of legality or illegality but rather a situation when your insurance became effective with your husband's employer. Potentially you received a written notice about your effective date of enrollment in this insurance plan and failed to read the operative date.