People get more irregular in pigment as we get older. This is surely not a sign of skin cancer. You need to be examined by a dermatologist for definitive diagnosis. Perhpas more imporant, you need to look into the degree of your discomfort with your body and your reluctance to have your husband look at it. It sounds as thought there may be deeper psychological/relationship issues here, and even if there aren't, you are likely going to have to come to terms with skin changes about which little can be done.
Don't delay--get this looked into and yourself looked after.
Best.
Dr. Rockoff
Thank You.