Possible infertility??

Hi my name is Olivia. I am new to this site. I have been with my partner 2 1/2 years. We have sex, maybe 3-4 times a month because we both work a lot and are often tired. We both have jobs that require a lot of labor and hard work. I am 23 years old, I have never been to a gynecologist, never had insurance, still don't. He has never been checked out either for problems. Before dating him, I had been intimate with other people. I am not on birth control. He and I have been wondering if we can't get pregnant or not because surely a person should be able too after sexual intercourse, especially as long as we have been together. I am wondering if one of us, mostly me, is possibly infertile. Again, never been to a doctor to be examined. Not really wanting kids at the moment, but some day we do. I just have that feeling that something is wrong. I've never even had a scare. Never been tested, never really had any problems with anything. Anyone have any thoughts, feelings, or suggestions for me that might be helpful with this thought there might be something wrong with me?