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.
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.