how to stop toss/terran lame attacks as zerg

im in bronze league as zerg and i do pretty well against people who know how to play but then i go against some protose who get a few void rays in the begining while i massed roach's or terran who get banshee's real quick and come cloak and attack my workers, so i have to plant alot of anti air and it waste's my minerals and i have no more to make workers or hydro's how do i fix this?