What is the bnefit of having health insurance coverage with my employer if my husbands insurance covers me?

To see if there is any benefit, you will need to compare the policy. There may be network issue such as having particular doctors. Also, deductible differs. Prescription drugs coverage also are different. The best thing to do is to sit down with your insurance agent and compare it. Even if he/she doesn't benefit from such commission, that should be one of the service they provide to you.