She'll ask me if I'm ok when we are infront of friends or while we are texting, usually when I'm expressing coldness towards her which seems to be my natural response when it seems like she doesn't care, and I'll either shrug if we are in front of a bunch of people or if it's over text I'll just say I'm ok or I'm fine. We both know it means I'm not bit I'm not going to have this serious of a conversation over texting and she just never wants to talk on the phone either.
BREEEEEEP. BREEEEEEP. PASSIVE AGGRESSION ALERT.
The solution: when you feel like she doesn't care, explicitly tell her you feel like she doesn't care and why. Don't assume what she knows or feels, and don't hold her accountable for your assumptions about what she knows or feels either. Otherwise, you'll resent her for not treating you the way you want to be treated, when you haven't told her how that is. Which is totally unfair.
Take a step back, and look at the situation. As I understand it, what you're saying is that you feel like she doesn't care and quietly start seeming upset, maybe make little hints that you're upset without saying. She asks you what's wrong, and you say "Nothing's wrong!" while quietly resenting her for not acting differently. She's initiating a conversation to check in with you and expressing concern right there, but you're lying to her. And blaming her for it too.
Even if you have the kindest, gentlest, and best intentions in not just talking to her about it, it's fundamentally dishonest, and passive-aggressive. It's poor treatment of her to expect things without letting her know your expectations, and it's a poor way to treat yourself to bottle up your misgivings and feelings. Bad all around.
I say this as someone who has unknowingly been a passive aggressive buttmunch in relationships. If there's one thing I've learned through past relationships, it's the importance of honesty and emotional openness. It goes for romantic partners, family, friends, and anyone I want to feel good being around. Getting in touch with what I actually want and how I feel has also been instrumental in finding happiness, and finding things to do with my life, in general.
TL;DR - Stop talking to us about it, and start talking to her. Have a real, respectful conversation with her about the relationship, and try to express what you're feeling. Give her a chance to respond, and hear her out too. If you both want to work on it, that's great. If you want something she doesn't, or vice versa, you can go your separate ways, and that's great too. Being honest may not always be comfortable, and may not even be pleasant... but it always ends for the best, in it's own way. How things really are is the best way they can possibly be, yeah?
EDIT: You don't need to have the conversation then and there, if it's a bad time. But don't put it off indefinitely just because it was a bad time just then. >_o