Hormone issues ?

So for a few years now I’ve been struggling with excess body hair. Well here lately it’s gone from my natural invisible blonde hair color to dark. All my hair is. That’s not the point though. I have chest hair about 1.5 inches long, not a lot of it but enough to get on my nerves. I have chin hair and my beard could match my husbands if I let it grow. I never thought it was hormones until here recently. My sex drive is ZERO. NADA. ALL GONE. I’ll do it myself occasionally when I can’t sleep but even that is hard to do. I’m wondering what kind of hormone issue this would be since my period is relatively normal. Any tips? Photo of chest for tax. I’m just getting so frustrated. No insurance and I’m married to an “ill do it later” man. We’ve had 2 mostly successful pregnancies, both born early, one loss at 24 weeks and one born at 25 due to a septated uterus. Bipolar disorder and anxiety. I smoke ouid daily…..just listing all the things in case something stands out.