Based on the information it seems like you are having anxiety/ panic attacks, most likely due stress
or worrying to much.
You do not have any thing serious please try and relax.
Here is what will help you. Since you do not have insurance and do not want to visit near by physician below mention methods can be done at home.
1) lower your level of everyday anxiety through a variety of techniques, including meditation
2) Learn other relaxation techniques
, like deep breathing or guided imagery
3) Avoid stimulants, such as nicotine
and caffeine, which can be found not only in coffee, but many teas, colas, and chocolate.
4) Learn to recognize a panic attack. When you sense the first symptoms, know that other symptoms may follow. Take slow, deep breaths. Remember, you have survived them before and can do so again.
Thanks, hope it helps.