Hi!
I think that you SHOULD definitely pursue the issue while you have insurance coverage. HOWEVER, many infertility problems are not covered by insurance, so even if you DO have health insurance, you may not be able to convince them to pay. They are much more likely to pay for pain-type issues, so you may want to take that approach.
Many women with uterine septa do have endometriosis and painful periods, so if that applies in your case, you may wish to emphasize that to the doctor. I would definitely suggest that you have a RE do your surgery as opposed to a generalist, too.
There is no need to be married, but it is certainly a plus that you are in a stable relationship.
There are two main ways to remove a septum. The first is by using a resectoscope/hysteroscope. This is all done vaginally, and is the preferrable type of surgery if it is possible to do in your case. There is also a procedure called a Metroplasty, which involves an incision in the abdomen, and is a major surgery. If the septum is not removed, you are at risk for miscarriage and preterm labor as well as malpresentation (the baby comes out feet or bottom first instead of head first).
Many women with septa DO conceive and deliver. Some never even know that they have a septum. If you do have the septum removed, you will still be at higher risk for these problems, so, sometimes women are advised to go ahead and try to conceive and deliver. In your case, it looks like to me that surgery WOULD be beneficial, but your specialist will need to make that call.
Hypothyroidism is not a big problem as long as it is treated and the hormone levels are normal. You DO want to take your thyroid hormone throughout the pregnancy, it is GOOD for the baby!
Stress can definitely impact pregnancy, and if you do become pregnant, and do develop symptoms of preterm labor, you won't be able to continue the type of work that you are describing.
I hope this is useful information for you!
Good luck!
Dr B