Hi and welcome to the board!!
I believe what your Dr is suggesting you have is ICSI, a procedure where they take your DHs sperm and individually place them in your eggs. Because of his low count.
Its expensive if you have no insurance. How old are you, if you dont mind me asking.
There are tons of ways to save. I sold my car and drove a beater until we saved up for half of the cycle. Then we financed the rest through our bank and just made larger payments to get it paid off quicker.
we were on a very strict budget for awhile...but it is DOABLE....you could also get a second job to put into savings. It took us about 7-8 months of strict saving to do this.
Or you could go the route of donor sperm, but I am sure your dh would like bio children as well.
There are also websites that help out with some funding of IVF...I am sure Melissa has those, as well as some other ladies here.

and I cant wait to get to know you better!