It is simple... just don't have any type of sex with him anymore, it is your body. If he cares about you at all he will respect your wishes. If he don't then you don't need him.

If you continue to have sex with him and he refuses to use a condom, use the female condoms, they are made of polyurethane, they can be inserted and worn hours before doing the deed.

As far as STD's go, if he is having sex with anyone else, and having sex with you, you are increasing your chances of getting an STD, some are curable and some are not.

Gonorrhea and Chlamydia are both cureable, but alot of women might not have any symptoms, and did you know if you have oral sex you can get either of these in your throat.

HPV (warts) and Herpes are not curable, this is something you would have to live with the rest of your life. Some strains of HPV cause cervical cancer. Herpes is very painful when outbreaks occur.

HIV of course is not treatable but a disease that can be managed if detected early. The HIV test looks for antibodies in the blood, it can take a persons body three months to make those antibodies which will show up in the test, this is called the "window period", that means that if it has been less than 3 months since your last risky behavior and you get tested your results could be unreliable.

So why would you risk your health for his sexual satisfaction? Ask your self is it really worth it? What can you do to protect yourself? It is easy... if you are going to have sex, make him use a condom, if he won't then you can use the female condom. Better safe than sorry.

You are obviously a very smart person and you know what you need to do.

Be smart and be safe, take care of YOU.