how many ivf's?

hi, doctor im 22 years old with only one tube n my left side i have irregular periods and only ovulate with help my hubby is 24 soon to be 25 he has some low sperm count not so bad! i did my firt ivf at the end of november,2008 got pregnnat but it was a m/c by the middle of december my beta stoped going up! my second ivf was at the end of february but it was negative i didnt get pg from it the first ivf i responded not to good to the meds i only had 5 retreived eggs and 3 fertilize and 2 3day 8 cell put back! on my second ivf i responded well to the meds. infact they retreived 13 and 8 fertilized and at the day of trasfer there was only 3 left one was diying and the other two were 5dayt blastocys so they trasfered back those 2 but i didnt get pregnant i stoped with all the treatment cause i got laid off and my insurance was paying 100% for my ivf's so i want to know if it harms in any way to have stoped with the treatmets like lets say that i was to continue tomarrow with ivf are my chances lower cause i have waited almost a year with no meds no treatment or would they still be the same as if i had just finish my 2nd ivf????? thanks! sorry for the long story!