Should I spend the money now to visit a doctor or am I over-reacting? I will be 40 in 9 days and I had a complete hysterectomy 4 years ago due to a combination of pre-cancer cells, a large ovarian cist and endometreosis. Over the last year I have fainted

You . You have a complex medical history. Your fainting spells are a definite concern, especially because you continue to have episodes verging on passing out a couple of times per day. In view of your financial and insurance issues, i wish i could tell you that you don't have anything to worry out. However, in this case, you really do need to see your doctor to determine and correct the cause of these symptoms.
Certainly . Certainly see a doctor. Your health comes first!