Hi A.,
I know all of the moms on this site are well meaning, but they're not doctors and they cannot make a medically sound diagnosis. Even if there is a doc among us, no doctor would try to make a diagnosis without including a physical examination at a minimum.
Please, I understand you don't have insurance, but go see a doctor. You are experiencing a change in your general health that is outside the bounds of "normal", at least for you. You can't go just by symptoms, however. Lots of different diseases can cause identical or near-identical symptoms (what are termed in medicine as "differentials" or "differential diagnoses").
Bacterial infections can recur and may not respond to previous antibiotics if they're resistant. Your doctor may need to experiment with other drugs or multiple drugs for them to be effective, if this is the case, but you'd first have to definitely establish for a definite fact that you have a bacterial infection; this can actually be fairly difficult and might require some pretty sophisticated testing, like bronchial lavage. Viral infections generally don't recur, but there are a lot of different viruses and each new one you come in contact with needs to be handled by the immune system. If your immune system has become somewhat less responsive for whatever reason, it may not be as effective at fighting new pathogens as you become exposed to them. Boosting your vitamin D levels can actually help if this is the case, as well as taking a daily low-dose zinc supplement.
Then, there are the other "things" that can be causing bronchial symptoms -- everything from a fungal infection to autoimmune disorders, granulomatous diseases, and tumors (benign, as well as malignant). Also, you mention that you do have bad seasonal allergies, so it is entirely possible that you are, indeed, developing asthma. Allergy is actually a progressive disease, with the endpoint, in many cases, being asthma. You may also be developing an eosinophilia of the bronchi which could be causing on-again, off-again symptoms in the early stage.
This is why you need a medical practitioner with the appropriate education to figure out what's going on. The first step at this point should be another visit -- perhaps bypassing a general internist and going directly to a pulmonologist. Make sure you supply a full medical history -- especially of your illness -- and let the doctor know that you don't want to be treated by shotgun treatment of the symptoms; at a minimum, a chest X-ray is in order here, and probably a little blood work.
Whatever is ailing you, I hope you get it figured out and feel better soon!