Heartbreaking

I don't understand how its been so long and I haven't conceived yet.. over 5 years?? I've been to the doctor everything is fine and so is my husband .I don't EVER WANT to have one but not even a miscarriage or anything!!! I always think about how my body is supposed to have a baby but yet I can't? It breaks my heart every month when AF arrives. My husband wants a child soooo bad! That all he talks about...is when will he become a father???😔 our insurance doesn't cover infertility and were trying to save enough money for treatments but they're so costly in our state and not too many doctors around here want to help.