I am 2 months late today and got a negative hpt about 4 days ago. I've had a few pregnancy symptoms including: nausea every day on and off for the last two weeks, headaches (rare for me), tired a lot more than normal, and my breast seem to be getting bigger. My insurance will be in affect in 4 more weeks. Is it possible to be pregnant with negative hpt? I am looking for suggestions till I can see a doctor?

Yes. A blood test will give you more information.