I am in that class with you, the NO insurance class. So I know where you are sitting, when my insurance premiums got up above the monthly mortgage payment we just could not do it anymore.
I can tell you I suffered from acid reflux and was on meds. I had horrible heartburn everyday. Once I started cpap, I have heartburn every now and then when I mess up and eat really spicey foods. But now a pepcid ac takes care of it, no more prescription meds. I agree that it really sounds like you need to see a Dr. Do you have one that is good and gives discounts when you do not have insurance? I ask because your primary physician might know a Sleep Dr. that he referrs patients to, that might would help with the cost. A lot of sleep clinics, where you would have the study done, give discounts and do payment plans when you do not have insurance. I know I have shelled out quite a bit of cash over the last month or so to get this issue taken care of, but it was well worth it. I was diagnosed Nov. 30, 07 and I already feel a bigggggggg difference. I have gone from dragging myself out of bed in the AM, no heartburn, no swelling in the legs, anxiety level has dropped drastically, irritability has dropped, I breath better even when I am awake and man has my energy level sky rocketed. There are a whole bunch of symptoms I did not even experience due to sleep apnea that are much more dangerous to your health too. So as you felt the fear, I am sure it was quite intense and probably scared the heck out of your husband too, I would definitely suggest getting to a Dr. and getting checked ASAP. As the person before me said, do not let the Dr. give you this stereotype of "chubby middle age snorer with a large neck" that stereotype went out the window numerous years ago. I am not yet middle aged and I am female and I do not have a large neck, and I have a severe case of it. I think there is a "sticky" here in the forum that has a link in it to help you find a certified sleep clinic in your area. You just type in your zip code and it will come up with the ones in your area. I would get on the phone and make some calls and see what they say. When I did this I found very few in the Dallas/Ft. Worth area here in Texas that did not accept patients without insurance or that would not give discounts and do payment plans, most would. The one I went to would give a 30% discount and wanted between $300. and $500. down and would charge you the rest over 12 months. After you have the appointment and you are waiting on the test results if you wish to come back here and post we can help you with the equipment. Online suppliers, when you have no insurance, are much less expensive, than local brick and mortar DME's. Good Luck.
Here is the link to find a sleep center: http://www.sleepcenters.org/
Here is the link to FAQ where I got the above link on the Sleep Apnea Help first page: http://www.apneasupport.org/viewtopic.php?t=6416
I hope these help you.