How have you concluded that you have a herniated disc in your lower back? that needs to be diagnosed by a serious of tests that have to be done by doctors.
Self diagnosing is a very dangerous thing to do, highly not recommended to be done by anyone.
Telling you what exercises to do or not do is also very dangerous. What you should and shouldn't be doing depends totally on what is wrong. doing the wrong exercises can make things worse, if it is a disc, doing the right ones can help.
You do not have a diagnosis, all you have is what you think is wrong and you could and probably are very, very wrong.
You need to see a spine specialist, either an orthopedic surgeon that specializes in spines or a neurosurgeon that specializes i spines only.
I would not count on having insurance to cover this with new insurance. Many insurance companies have a waiting period for a pre existing condition and if this is a spine problem that you have now, it will be seen as a pre existing condition when you go to use it.
Good luck
Fran