if you're sure its just a cold or virus then there's probably not much a doctor's gonna do for you. But, that said, you still need to take care of yourself so you can get better. Get some bed rest, drink plenty of fluids, etc. Do some google research on when a cold isn't a cold.
If you think you have something like strep throat then you need to go to a doctor. You don't need insurance. Just go to a walk in clinic. It'll cost you a hundred bucks. Maybe two hundred. But that's actually a pretty good deal.
Think about it, schmucks like me pay that much every month just to have insurance coverage. You get to pocket the money you earn and just pay for health care when you need it. So long as you don't get cancer or end up in a bad car wreck, you're in a pretty good situation.