I also had a very large hernia in my abdomen (under my belly button). I
ignored it for a long time and it grew bigger. Finally, I went to the doctor who then sent me to a surgeon. I had surgery and they repaired the hernia, but because I had neglected it for so long, all my abdominal tissues were stretched out and they couldn't simply close the opening. They brought the 2 sides as close as they could and used a big piece of mesh to hold it all
together. That was 2 years ago, and I have had no problems (although my stomach still has a pooch, but after 3 kids it would have anyway). The recovery was hard for a few days, but after about a week, I felt fine and as long as I followed doctor's orders about lifting and activities, I was good.
I think you need to have it repaired, hernias can get bigger and bigger, they
don't go away on their own. Medical insurance usually covers the surgery, especially when they are large. Good luck!