I found out today that I am way behind on preparing for grad school. I had a very hectic summer and this semester has been insanely intense and I didn't have time to look at GRE and LSAT dates until recently as well as deadlines for applications. There is no way I can take either test and get results in time to apply. Given the fact that there is not much you can do with just a bachelors in my major (history with a poli sci minor) and financial issues regarding student loans I am incredibly stressed right now. Does anyone have any advice on what to do from here?

Also, I have a medical condition which requires treatment that is incredibly expensive. If God forbid I had to take a year off would I still stay on my parents insurance since I would not be in school?