Can I Get Pregnant l?

I stated my period when I was 11. I have never had regular periods unless I was on birth control. I am 21 now and my husband and I are TTC our first baby. I stopped taking the pill in late September and I have only had one period since then. According to my cycle I am 5 days late as of right now. But all tests were negative. I am absolutely terrified that I cannot have kids if I don't have a regular period. I just feel like there is something wrong with my body and I can't have kids. I've considered going to an OB but lack of insurance it would be very costly. I don't know if I am just overreacting or if it's nothing to worry about.