I don't want to have sex with my husband, what to do?

Couples therapy: Your marriage is almost certainly going to fail if this isn't resolved. This isn't the place to try to figure out what's happening, or who's "right". Get with your physician for a referral to someone wise with whom the two of you can talk. Most of these folks are pretty good and you can probably both learn new behaviors that will make you both happy.

Female sexuality: This unfortunate situation is not that uncommon. I appreciate you reaching out here. There can be a lot of reasons for your feelings and I would not presume to guess. But, I often recommend this group of women dedicated to helping women with sex and libidos as a safe place to start. http://www.ourbodiesourselves.org.