IUI low sperm please help

Ace

Hello all, new to this group and <a href="https://glowing.com/glow-fertility-program">IUI</a>. We were told today to start <a href="https://glowing.com/glow-fertility-program">IUI</a>, Husband has a count of 42 million and 56 % motility on a SA. I don't know what his washed numbers are as we have not done anything yet. The SA has different grades of motility and the morphology was a 4, so I am not sure if we should do <a href="https://glowing.com/glow-fertility-program">IUI</a> (intrauterine insemination) or <a href="https://glowing.com/glow-fertility-program">IVF</a>. Our insurance doesn't cover anything. Just looking for some insight to all of this, I am pretty down.