1. There is a difference between federal and state. See Is it better for a married couple to file jointly or separately? For some states, you may want to file separately and that may be together on the same return or completely separate as each state has different rules. Some states require the same as federal.
2. You or your husband can pay bills while your business claims the deduction since a good spouse supports their partner in their endeavors. You are a team working together whether you file MFJ or MFS.
3. I personally believe in a business being off the ground and firm before switching to an S corp as there are many more rules plus the expenses of starting and dissolving (if it fails). Each person and situation is different. I suggest you do what works best for you the tax center lists all the business options and requirements. For now, you are a schedule C. Here are some helpful links:
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