Y’all I need some help understanding

K8R

So little back story, PCOS, on zero birth control, not TTC but not preventing. The past month every time we have sex it hurts it was just a little ( thinking it was just the position ) and now and it’s very sharp. And yesterday when we had sex I was in so much pain afterwards I had to take Tylenol pm to fall asleep. And all day I’ve just felt so much pressure in my uterus area, I’m so bloated and uncomfortable, it hurts so bad to have a BM or pass gas. I get cyst but never ones that hurt, so I don’t know if this is cyst pain or not. I would go to the doctors but then They’ll want to do an ultrasound and Insurance doesn’t pay for it. Do any of you ladies get like this, is it something normal or more serious. Im 21 and have only been with my fiancé 4.5 years together