Another road block in the journey to infertility

Well just got off the phone with my OB and got the results to my husbands spermie test. Turns out he has low sperm count. Which is just lovely to hear. We always thought it was me all this time. The PCOS and an-ovulation i thought was the main problem. Well now its both of us, which is a double blow. We never had him tested in the last 2 years because of my lack of periods, and Dr assumed it was because of that. Well now we find out its not, its a combo of both. So what happens now? What do we do? First is to get a consult with reproductive endocrinology, but we cant afford that and our insurance doesn't cover ANYTHING reproductive anymore. So i guess we start saving. I would assume form the great suggestions on google that IUI or IVF are probably our options. For some reason i always thought that was going to be what happens. But its going to be a long time until we can afford that. I guess we can wait and hope for a miracle. I wont ever give up hope that one day it will happen. But feeling defeated here. I know it can change the count can go up later and theres things we can do. But right now i just don't know anymore. I am holding on for someday, because imagining that it will never happen is too much to grasp right now...........