5% egg quality for me, no mobility for hubby!

So we went for our seman analysis and hubby has no mobility ... And his percentage is 15% doctor wants him at 33% ... My test came back saying I have 5% egg quality left.. I'm supposed to be around 32% .. Now we're contemplating <a href="https://glowing.com/glow-fertility-program">iui</a> or <a href="https://glowing.com/glow-fertility-program">ivf</a> ... Insurance covers 7,500 but the total is 12,000 ... I'm going crazy!!