depending on what state you live in, there is usually a free health care plan for those who don't have it and don't make enough money. Also, hospitals usually have a free care program and they can't turn anyone away. I live in Massachusetts, and I know that is how it is here.
You sound as though you have severe panic, but you do need to seek help. Online help is good - you realize you are not alone. There are therapists out there that help thru CBT (cognitive behavior therapy) and learning relaxation techniquess. meds are not always needed.
What state are you in - Most medical offices should know of phone numbers you could call to inquire about state health programs. Are you still a student in college? Can you be on your parents insurance?
Good luck and keep me posted. My email is [email protected] if you want to write to me.