Married filing jointly usually results in a better deal. Married filing separately has all of the same tax rates as being single without all of the deductions.
Your husband owes money because head-of-household is a much better filing status than married-filing-separately. Joining your two returns together should mean that he owes less and your refund goes down. You will lose out on some of your refund but probably not $5000.
@Wafaweb12
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