I need your help!!

So my husband and I have sex about once a week and it’s because he always gets a tear on his frenulum whenever we do have sex and we don’t know what to do about it, we don’t have insurance at the moment so going to a doc is not possible. We thought maybe he had a short frenulum but he doesn’t, we thought maybe it was because I was too dry when he would try to go in but we got lube and it still tears every single time! It’s gotten to the point where he puts too much lube on I can’t really feel anything because there is no friction and it’s not great 😣 its usually a tiny little cut under the head of his penis where his foreskin is attached. Please if anyone knows why it’s happening or what to do that would be great it’s really upsetting