I agree with Dr. Borowski, that tooth looks like it needs to go and not having dental insurance is not a good reason to avoid it. Think of dental insurance as a coupon book that has discounts on certain procedures. In this case, it'd be something like, 50% off this extraction. No matter what, that tooth is only going to cause bigger and more expensive problems (like pain, infection that spreads throughout your body, swelling, bone destruction, etc) the longer you wait. Having a tooth extracted is one of the more affordable dental treatments (likely $100-$400) depending on where you go and how involved it is. Again, the longer you wait the harder that tooth is to extract and therefore the more expensive it gets. It's time to go see a dentist so you can get rid of that tooth, discuss replacement options (implant, bridge, partial denture, or leave a space), and have the rest of your mouth examined to make sure you avoid this same problem by treating any other teeth that need attention.