Wow, it does sound like you have a worrisome situation that is going to keep you involved with doctors, until it's better understood. I hope they come up with a definitive diagnosis soon, but that can take years sometimes. I'm sorry you are going through all that. You do have very real worries.

You can't beat student health at a University for a great shot a cheap excellent care. Off campus, it's a whole different thing.

All you can do is the best you can. If you have insurance, try to keep it. I can see where your anxiety is coming from. To be so young and already having serious symptoms that something major and chronic might be wrong is very troubling. Medicare and medicaid will most certainly exist in the years to come. The most important thing to do is get the medical care you need however you have to do that. If you need to go to an emergency room for care, just go.

I certainly understand your worries about debt. One of the principal reasons for bankruptcy is medical bills. If the day ever comes where you have a ton of medical bills that would keep you in debt for a long time, then that is the day to start thinking of using the bankruptcy laws for your advantage. They exist to help people in that kind of a jam. Since you are so young, you can come out of a bankruptcy (if you ever need to) with plenty of time ahead to rebuild your life financially. There is nothing wrong with doing that.

What you've describing is a perfect example of why we need to change how healthcare is financed in this country. I think you are someone who will be better off in the system that is now being created than in the one that has been in existence. Try not to let people scare you. You have a right to healthcare.