Does anyone know what this is?

No puss. no discharge or scabbing. no pain while urinating or anything like that. sometimes it itches but its not intense. should i go to the doctor? i just dont have insurance so im worried about the medical bills and what not. thank you to anyone who has any help for me.

image

It could be a fungal infection. Try some over the counter antifungal cream like Clotrimazole 1% if you are not yet planning to see a doctor. If the condition worsens, get it checked.

if it is sometimes itchy there might be scabies or eczema … there are creams for both

You need to see a Dermatologist to get it correctly identified what it is you actually have going on - trying the wrong medication will just make it worse, potentially severely worse