I'm late...

Been on Ortho Evra patch since 2013. it has always worked perfectly. Now my period is like, 2 days late, and it normally comes like clockwork. On top of that, I had spotting last week which makes me think it could be implantation bleeding. I've been having unprotected sex with my long term boyfriend (well, it's not unprotected, bc birth control) and i've done that before, for years, but i'm freaking out. no other symptoms. I'm 21, in college, my entire family is broke, and i can barely take care of myself yet alone a baby. How do I figure out my insurance policy on abortion? Am I thinking too far ahead? Should I tell my boyfriend?