What do you do when your marriage is failing?

I've been married for 15 years this month. Things have turned from fine, to ok, to unbearable. My husband doesn't want to be near me. He doesn't want to talk to me. He accused me of "cutting him off" because I didn't like a life-changing decision he has made that affects me and the kids. He is jaded and cynical and breaking my heart. We are in counseling. So far, it hasn't helped. I have no plan for where I would go, how I would support 3 kids 4 and under, how I would survive and it scares me to death that he is going to ask for a divorce within the next 6 months.