A cheap way to find out what you may or may not have caught from having sex, comprised of having unprotected sex with a girl, then calling her a week later and telling her that your ex girlfriend called and said she tested positive for HIV. The fear caused by this little white lie will incite said girl to go get checked out. Within a week she will call you and let you know what you have or don't have.
Guy 1: "Man. I really wish I had health insurance."
Guy 2: "Why?"
Guy 1: "I've been with so many whores lately, I'd be surprised if I didn't have something, and I can't afford to go to the doctor to get checked out."
Guy 2: "Well now you can thanks to the Poor Man's STD Test!"