So am 16 and I am worried

When I get a Bonner I cant see the top of my penis (head?) At first I thought it was normal now am starting to think its not and after googling I found this phimosis Am not sure if that is what I got 100% But it sounds about right.. Then I found this site and it seems like a good place

I just hope someone can help me out....
So when I was about 15 I noticed this and I just thought it was normal case am young and it still needs to grow now am 16 and only 3 days in till am 17 And I still cant see the head of my penis and when I get a Bonner I do try to pull the four skin back and I cant it seems really hard like it dose not want to move.. But I can move it down when I do not have a Bonner easily....
I hope I can do something about this and I do not end up with surgery

Thanks
(Sorry For Any Bad Spelling)