Trying to understand what a wireless adapter is? Need a access point?

I just got a laptop it can go online wireless. I dont have a modem or and PC. I'm trying to get online with my laptop at home.Not using dial up. I dont know how to get my own access point. Do I have to get it from a phone company? Is there something I can buy to give me an access point? Do I need to have a Desktop to use it? If there is something that can give me an access point will there be a monthly charge? Is there a free route? I'm having a hard time understanding. I just want my laptop online without dial up, a modem, desktop pc and using other peoples wifi. How can I do this?