The brown discharge sounds like old blood and it may just be a very small period. I think that it could wait until you get insurance. Usually that is in 4-6 months. But if you are still worried,check around and see if you have any clinics that offer a sliding scale fee for office visits. They use your income and see what your payment will be. It could alleviate your fears/worries. Best wishes to you.
My best bet is, if the brown discharge has been going on for a year, then you can wait it out until you can get insurance, and go to the gynecologists.
I use to never have cramps eather, for years upon years untill suddenly I started to get cramps and they were very, very, excruciatingly bad. I found out that I had cists that would continue to grow for months at a time. I havnt been cramping since those nasty little spells, but I've been told it's perfectly normal.
My mother never started cramping untill after I was born, and I was her second child.
The problem doesnt sound too bad.
If you can, once you do get a docter, check with him or her to see if you can get put on the pill. Birth control can often regulate these things.