It's definitely not "all in your head" if there are itchy bumps that you can see and feel. Scabies lesions can occur anywhere but typically are most prominent at the wrists, elbows, in the finger webs, and around the waist. I am more suspicious you have hives (medical term urticaria), which usually is due to some kind of allergy, perhaps to a drug. If it is hives, individual itchy bumps typically will be entirely gone in a few hours, even as new bumps appear. Are you taking any medications? (It doesn't have to be new; allergic rash can start up even many years after taking a drug.)
You might post the same question on the MedHelp dermatology forum and see what Dr. Rockoff says. But the bottom line is that health insurance or not, you really need to see a health care provider. Call your local health department to find what clinics it may offer, or to learn about low-cost community clinics in your area.
Good luck-- HHH, MD
HHH, MD