if have no health insurance, and have a hernia that maybe needs surgery, what can i do at this point?

Apply for Medicaid. Go to a county hospital, which may be free, see if your local hospital has resources.

if you're in America, get Medicaid.

The Internet; where its impossible not to get advice thats unbiased or not ignorant.

Umbilical Hernia specifically. (or even lower esov) can be nothing more the fatty tissue...

If you have pain or discomfort from it its important to get something done.

If it retracts (ie when you lay down etc; then its most likely composed of fatty tissue & NOT your intestine in a knot.

Most overweight (big bellied) people or pregnant women get "UMBILICAL" Hernia's...

It CAN go away with weight loss in that situation. (Just don't let it get worse because the intestine COULD start to push through like in most Hernia situations.

Bad posture leaning forward all the time, etc will def not help it, nor staying in a overweight state.

 if you are really worried. go see a doctore. Do not seek advice from idiots.a doctor very well may just tell  you that your's is retractable and that he determined its made of fat; otherwise you maybe be on the table...

People get scared and look on the Internet for advice in these things only to make their minds enter a bad place.

So- this is why Obama tried to put through a plan that would provide health insurance for everyone, regardless of whether they had pre-existing conditions. I think that provision still stands, despite Republican attempts to remove it. So look into the ACA and see if you can sign up for insurance now that will cover it. If you can, thank Obama. Only an operation will fix a hernia. If you lived in any other advanced country, this would be easy- you'd get the operation and not pay a thing. 

Pay your doctors, surgeons, anesthesiologists, hospital, etc in cash.