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I'm no expert but one thing I remember from my working days. When two insurance companies are involved, things get complicated. If you purchase your own insurance and are still on your wife's policy, her carrier will become secondary to yours. Talk this over with an insurance agent you trust, but I think you might be needlessly complicating things by getting your own policy.

You don't say how long this situation is expected to last. That could be a factor in the decision too.
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