Pain on right rib

As you point out you should see a practitioner for a proper intake, diagnosis and treatment if appropriate. The point you mention sounds more like LV 13, but perhaps not. This point can be active with the full range of digestive disturbances, but also with anxiety, panic attacks, etc. That said, acupuncture is not simply a point to disorder modality. So sensitivity on a point does not necessarily mean anything is wrong with that meridian, or with any of the functions that the point controls. In other words, I would read too much into it without more information and other confirming signs and pressure on other related points. Even if the pain is not near that point, generally the whole area is related digestive disturbances and/or emotional issues. And, yes, sensitivity in this area can come from gallbladder issues, liver problems, intestinal problems, etc. - it's also fairly easy for active people (mountain biking, contact sports, etc.) to bruise this rib. When bruised it may hurt for 4-6 weeks or longer.

Oh, and I should add that acupuncture is rarely covered by insurance anyhow so your lack of insurance should certainly not stop you from seeing someone if you are concerned about these issues. Acupuncture as a whole is generally affordable with treatments nationwide ranging from $45-$85.