Have you tried ovulation predictor kits? You can get them online pretty cheap at Amazon, or at Walgreens for around $10 for 20. They drug store versions aren't individually wrapped, though, so they expire sooner. We're buying our next set from Amazon.
Have you created a chart of your cycle to see what the average length is, what the average day you ovulate is?
That's probably the first step, if you haven't already taken it. The next step would be a semen analysis. Semen take 90 days to grow, so if there's a problem, you might be able to fix it with some diet changes and vitamins or supplements ...easy stuff, then test again in 90 days to see if it helped.
After that, you may be able to find a OB/GYN who will work with you. They can prescribe clomid if you're not ovulating, and progesterone if you might be miscarrying. And there are some basic procedures they can do to check things out that insurance can cover.
There are a lot of options to consider before IUI or IVF. Good luck!