It doesn't necessarily mean anything. I had a miscarriage before this and I had some light bleeding and spotting. It turned out to be a missed miscarriage, which occurred a few weeks earlier, but it never really turned into anything more than that (I eventually needed a d&c for this reason 3 weeks later). With this pregnancy, I've had more bleeding and spotting that I did with my miscarriage, mostly brown but more than just spotting and some bright red. It seems to be just what my body does. I've had two scans and baby is perfect and the bleeding is coming from my cervix and nothing to do with baby. Just one of those things. With my daughter, I had heavy bright red bleeding at 10 weeks. Again just one of those things. I never had it again and had a healthy, straightforward pregnancy. It's worrying, but doesn't necessarily mean anything is wrong.
I'm assuming you're in the U.S. since you mention insurance (I'm also American, though I don't live in the U.S. anymore). You should be able to qualify for Medicaid because you're pregnant and uninsured. They haven't quite dismantled that protection just yet. So I would speak to someone at your local Medicaid office about what you need to do to sign up.