Do I have to accept polygamy as a Muslim woman?

No, you don't have to accept it in your own marriage. As a Muslim, you accept that polygyny is permitted in Islam under strict conditions. But permitted doesn't mean required. You're free to refuse a man who plans more wives, and many scholars allow you to add a condition to your marriage contract that he won't take another wife.
What Islam permits
Islam allows a man up to four wives, but only if he can treat them justly in time, housing and spending. The Quran itself points to one wife when there's a risk of injustice.
Justice is a heavy duty
The Prophet Muhammad ﷺ said: "When a man has two wives and he is inclined to one of them, he will come on the Day of resurrection with a side hanging down" (Sunan Abi Dawud 2133). Polygyny isn't a casual option. A man who can't support or treat two families fairly shouldn't do it.
Believing vs. accepting for yourself
Believing that something is allowed in Islam is part of faith. Wanting it in your own life is a personal choice. You can believe polygyny is permitted and still say "not for me." Many devout Muslim women do.
It's also natural to feel jealous or hurt at the idea. The Prophet's own wives felt jealousy, and he treated it with understanding, not blame.
Protecting yourself
- Ask before marriage: "Do you intend to take another wife?"
- Add a condition to the nikah: no second wife, or you gain the right to divorce if he does. The Hanbali school considers this binding. See Is a prenup allowed in Islam?
- Know the law: polygamous marriages aren't legally recognized in the UK, Europe or the USA, which can leave a second wife without legal protection.
- Know your options: if a husband treats you unjustly, you can seek divorce. See Can a Muslim woman ask for a divorce?
- Polygyny is permitted, not required.
- It comes with strict conditions of justice.
- You can refuse it for your own marriage.
- A no-second-wife condition can be added to the contract.
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