I found this in my help menu so I know I am supposed to have a visual editor.
"Post editor - Enter the text for your post. There are two modes of editing: Visual and HTML. Choose the mode by clicking on the appropriate tab. Visual mode gives you a WYSIWYG editor. Click the last icon in the row to get a second row of controls. The HTML mode allows you to enter raw HTML along with your post text. You can insert media files by clicking the icons above the post editor and following the directions. You can go to the distraction-free writing screen via the Fullscreen icon in Visual mode (second to last in the top row) or the Fullscreen button in HTML mode (last in the row). Once there, you can make buttons visible by hovering over the top area. Exit Fullscreen back to the regular post editor."
THIS TOTALLY MAKES ME MISS--AND APPRECIATE MORE--WORDPRESS.COM. That visual editor is always there and obedient. Wonder if bluehost will refund me for wasted hosting.