I have a what looks like a pimple on top of my butt hole. i'm worried bc i don't know what this is. i don't have insurance, please give me some advic.

Could be: a number of things including infection/abscess or hemorrhoid. You can try monitoring it for the next fews days to see what happens with it. I know you don't have insurance but I highly recommend having a doctor look at it as it might require treatment or further investigation.

Pilonidal cyst: It sounds like you may have a pilonidal cyst, if it is true usually requires excission.