T.,
Sorry to hear about your situation. I have been through a divorce so I feel for you. I had to go through it with 3 children, and I was unemployed as well. I am thankful my family was there (at a distance) to help me what they could. We were just days away from celebrating our 10 year anniversary when he left and moved in with another female (Five years later, I still refuse to call her a woman!).
Even though he refuses counseling (my ex-husband did too), you can still go and get counseling for yourself. You can decide if you should stay or go and figure out what steps you need to take for whatever decision you decide. If you stay, the counselor can help you deal with your anger and your reactions to your husband's behavior (which in turn might get him to change his behavior because of the way you react), or it will help you to better prepare for your future (including any potential future relationships even though you may think that I will never go through this again. Work on yourself and the rest of the future will fall into place.
As for the other part..perhaps you could find a job even if it is only part-time. That will help you put away some money in the event things take a turn towards divorce court. Second, it might raise your self-esteem and help from you getting as irriated at him cause you won't be around the house 24/7, and you will get out and meet some new people that could potentially be an extended support group for you. Finally, if you have been at home for the last 5 years or so, your husband might be feeling resentment towards you because he has to go to work and pay all the bill (and as he sees it) you get to stay home all day. A part-time job (or even a full-time job) and splitting the chores might be a better balance for your marriage to work.
Good luck!