I (24F) need help really badly.

The reason I'm making this post is because I don't know what's wrong with me, but I have issues where I get extremely vivid intrusive thoughts and I start talking to myself, like LITERALLY talking to myself and I loose track of reality and where I am. I was feeling suicidal and rn I'm sitting in the bathroom floor waiting for the voices to go away. 

Idk if it's maybe because of OCD because I was diagnosed by a doctor with it as well as anxiety and minor psychosis and depression,  or if I have something worse now.

The doctor I spoke to told me what I had but that was 4 years ago. I was on meds then now I'm not. I no longer speak to a therapist because I don't have insurance.

Most of my negative, intrusive thoughts come from family, work stress with people or my SO. It's like I hear them telling me shit and it feels like a loosing battle.

Is hearing voices in your head and talking or muttering or whispering to myself a sign of a serious mental illness? Sometimes when I get stuck in my intrusive thoughts I can't stop.

It'll sometimes happen at work, sometimes it'll wake me up at night, I try my hardest to not let my thoughts get to me but I do. 

I know most of you may not be doctors on here but, any idea what may be the issue?