Do skin tags grow back if they are torn off? I have bad insurance so will do my own

Depends. It really depends upon exactly what the "tags" are. Granulomas will grow back if not removed properly, for example. Better have a professional safely take care of it.
Skin Tags. It is advisable to first verify with your dermatologist that what you want to remove is indeed a harmless skin tag and not something more serious. If a skin tag is removed properly, it will not grow back. If it is removed improperly, it can either grow back or cause scarring.