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As your husband seems to be in the process of being granted ILR you'll get 3 years’ permission as his dependant therefore you'll have to pay IHS for 3 years.
If the question on the form is only in the IHS payment section and not in the application itself suggest you put the start date as the date you are submitting the application and the end date 3 years minus 1 day after that. Put an explanation in the cover letter as @marcnath suggested and upload the cover letter with your other documents.