Hi and welcome to HCM.
It can be cancer , but most common causes of blood in semen are infection and inflamation. It can affect urethra
,epididmys or prostate
. BUT considering your hematospermia
which is associated with lump in testicle,I suggest to do further tests as soon as you can. This isnt something you should ignore,no matter you dont have insurance. Whatever it is,infection or tumour it must be evaluated and treated.
Wish you good health.