D.M.
I'm curious if your husband is on meds for his depression? Medication changes or lack of the right prescription can have a terrible impact on a person's ability to function daily. Often they act worse than they would if they were not medicated. Something to think about.
Through his work, he should have the option for EAP (Employee Assistance Program) and this will provide usually anywhere from 10 to 12 sessions of Family or individual therapy at no cost. Often they can give a referral to see a therapist and your insurance will cover the cost. I am seeing a family therapist and individual therapist and pay the copay from my insurance and this is not an issue.
Has her seen a clinical psychologist? My very good friend just started seeing one and this is best done individually and not with a spouse or as a couple. They only prescribe meds and diagnose depression, anxiety and other behavioral issues.
The tough part about living with someone with depression is that often times they don't realize how hard they can make it for those of us who love them. They don't see their actions as hurtful or mean, and often can make us feel like we have done something wrong. If your husband isn't interested in proper care and taking steps to get that done, he can't be forced to. If he thinks he's done, he might be done until he's hit the point where he realizes he is a part of a partnership that needs love and care.
You might be nagging him or he might be unable to deal with emotions and feelings that are caused by depression and isn't ready to ask for help. I don't know since I don't know him or you, but it sounds like he may need to admit he needs help before you can work on your marriage. The thing is you can't live your life around him and just making him happy...you need a life too. You deserve health insurance and to be taken care of too. Check with your local city and see if there are classes or counseling offered...I live in Santa Clarita and they offer something called Parent U that is free to participants.
I hope some of this helps. I hope you can help your husband be strong and work on your life together.
Good Luck.