It's not like planning a vacation!

Elyse
Background: My husband and I have been married for three years, together for almost 10 years since college. As with most couples (??) our sex life has declined since our early relationship. I stopped taking my birth control end of May of this year in hopes that we can start trying for a family. He seemed on board, as we'd always discussed having kids someday.
The situation: Disappointed and depressed that I got my AF yesterday I wanted to talk to my husband about trying for a kid. When I brought up the topic he just laughs. I told him I'm stressing out because I changed my health insurance this fiscal year in anticipation of more medical bills, but if we don't have the baby by end of July next year I would have wasted a lot of money on health insurance. That we can't just have sex once a month and expect to get pregnant, that we need to actually try. He then got defensive and said that I "can't plan a kid like a vacation."
I had originally planned to discuss more with him, like how I just bought us certificates to get massages to help us destress. I wanted to explain to him the process of trying to conceive so he understands where I am coming from. I didn't get to explain any of that to him because he's attitude made me so upset I went to our bedroom and cries. I feel like he isn't taking this seriously, or me seriously when I try to discuss a matter I feel is important.
Sorry ladies, I just needed to vent and need some advice.