Looking for advice

I’ve been ttc with my husband for 3 years, I’m 25 years old. Thankfully I’m still able to receive coverage under my dad who has really great insurance. I’ve done 2 failed iui’s, I am able to get IVF mostly covered while I’m still on his insurance. I have to make a tough decision, to try Ivf or not. I’m thankful for the opportunity but extremely scared and I wonder if others will judge me since I’m not by any means rich, I don’t even own a home. I live in a mobile home we plan on buying a house soon but I only have this chance for a short time. I know I could never afford it without this coverage. Please help me what should I do? Also my boss has talked with me about having kids and says she hates kids and never wants one. My infertility is something that I don’t like talking about so I just agree with her about not having kids any time soon. If I did go through with IVF I’m not sure how to explain it to my work or my family. I know my desire to have children should be greater than my fear of being judged but there’s a part of me that knows things might not work out with me getting pregnant and I’ll have to explain all these things and I really just hate talking about it.

Sorry for the long post, please help me I’m so torn.