Look into USDT Tether. The price stays right around $1.00 US. I'm trying to get into it for the very reasons you stated. Their website currently is doing some rework so I am patiently waiting to join them.
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I’m in NY so the only exchange I can use it’s Bittrex and Gemini, neither of them have tether available.
I'm waiting to get into some new exchanges myself. They all seem to be overloaded at the moment. Cryptopia has Tether or USDT and I think its NZDT also. (New Zealand I believe.) Indiana Resident myself.