How are you doing all of this? I am exhausted just reading about it. Honey, you do need a break. You can't keep this up, or you are going to be in the hospital or the lunny bin. I am sorry, but this is way way too much for one person to handle. A full time job and then 3 kids on top of it. I work full time and I have only 2, and they are both healthy. Your nerves must be shot, if he doesn't make any decisions, I wouldn't be able to make up my mind which shoes to put on. You must get some rest, and not sleeping isn't helping either.
If your job is the one who the health insurance is through, you can't quit, because of the situation with your second child. Your husband needs to wake up to the fact, you need help! Everytime day you dealing with all of this yourself, is pushing the love right out of you. You have to wonder, why he can't see this, why doesn't he help, that's the million dollar question. My first thought after reading your question was this, when he comes home from work, say "Honey, it's your time, I am going to the grocery store, I am going to get my hair cut. I will back in a couple of hours."
Let him deal with it for a couple of hours by hisself, I bet his butt would get up off the couch then.
You need emtional, physical support from this man. These are his kids too. A mini-vacation-a trip to Walmart-without the kids!
A couple of hours a week, is not going to kill the man, if he can't or won't, then hire someone to come in and sit with the kids. You need some "me" time. If you don't do anything other than drive around the block a few times-by yourself. Walk the mall, window shop, go to the library, everyone is quiet there. Join a gym, do something for yourself! I bet he doesn't rush home every evening, he has "his" time, now it time for Mom to have "her" time.
Talk to him, tell him to please sit down with you and listen. Tell him to put hisself in your place. That you need is help. The trouble sleeping and the depression can be lessen if he lends a hand. If he still doesn't understand, then tell him, okay. Pick a night...Thursday night from now on-is my night, I will be away from the house between the hours of 6 to 9. You will be in charge, this will be my time, to do what I want. If I choose to do the grocery shopping for us then, that will be my decision. If I go to Books-a-million and sit and drink coffee and brose the night away, that's again my decision.
I wish you could not only have your "me" time, but also have a date night with your husband, I am so afraid that this is going to lead to bigger problems for you as a couple. You need some "couple" time too. If no family is around to help, then hire a babysitter. Can you leave the middle child for a couple of hours with a responsible adult? Sweetie, my heart goes out to you and your little family, and I would love to be able to just walk over next door, and say "ok, get out of here for awhile". It's not selfish to need time to yourself, it's not wrong to ask your husband for help, it's neccessary. You must take control, your babies need you to be strong and healthy, and happy. With the conditions you described you aren't any of these things. So, you are going to have to do some changing, and the husband is too.....I pray that you can get some rest tonight and every night from now on, and that your husband will become a helpmate and no longer be another burden on your all ready load-down shoulders. May God bless you and your family, and that you find the strength to make the changes need for yoursake as well as your family's.
God bless us all..........