This kind of optoisolators are pretty common. They are refereed as form B. These can be easily implemented with depletion mode MOSFETS. However, how suitable are these for your application depends very much on the current and voltage of the output circuit.
This one, for example, can handle up to 75mA at a maximum voltage of 60V.
You can easily find optocouplers that can handle currents as high as 2A with blocking voltages up to 600V.
About your second question, the answer is you shouldn't be concerned. As long as you keep both sides of the circuit working within safe limits. For example, in the datasheet I referred above, there is a section called Absolute Maximum Ratings @25 oC As long as you never exceed these values, your circuit will not be stressed. If your circuit will be working at temperatures higher than 25oC, just compensate. A good rule of thumb is to work the output not higher than 80% of the mentioned maximum ratings and drive the input with the least amount of current possible (e.g. from 5 to 10mA.)