If he wants to have a baby too, there shouldn't be my account and your account. If both are insistent about having seperate accounts then anything related to children should be in the joint account as it's a "joint effort" and that goes for medical needs as well.

Not sure how much was discussed about the "baby" thing, but that definately should've been number 1 on the list. Marriage counselling comes to mind.

Need to find out more about whole situation before suggesting divorce.