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A legal separation would be a good option. A legal separation was intended to handle a situation like yur where people need to maintain medical benefits, or religious reason prohibit a divorce. In the long run a legal separation is your best option especially if your husband has the potential of accumulating debt.
Another option is that you can with your husbands written agreement purchase property as your "sole and separate." This requires an explicit agreement from your husband ant the property titled as your sole and separate property.
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