Feeling frustrated.

Kelsie • I am 36 my husband is 38 and we are trying to convince out first child with low fertility chances on both sides.
My husband and I have been TTC for a little over a year now. I have irregular periods and ovulation. He said a low sperm count and the ones he does have don't function normally. Anyone have any suggestions for us? We saw a infertility specialist and they said our best bet would be IVF but it's not covered on our insurance.