heart palpitations 5 years,breathing problems 1 year or so, 24 years old...

Im not stressed by the way. Im very content and happy, never been depressed or had anxiety. Ok so 5 years ago was my first heart palpitation, it was like once a month or so (not noticable really) then it became a few times a month and now its every day to at least 15 times a week. The whole fluttering sensation and when i feel my heart from my neck it seems like it stops during those times then gets all crazy for a sec like fast fast slow fast stop slow ect. Happend when laying down majority of the time. The past year i noticed shortness of breathe kind of like i need a deep breath to feel good (sometimes i cant even take a deep breath) its everyday now i have those attacks (no wheezing or chest pain) Ive had a back ache for a year or so. Slight dizziness, nausea btu i do have IBS. I dont have insurance. What does it sound like? my father took meds for heart palpitations a while ago. I dont talk to him much anymore.