It may be that your frenum is normal, and your foreskin is a bit tight and this can be sorted by stretching, see the following http://www.healthboards.com/boards/s...d.php?t=210347
It may also be that you think that the foreskin needs to go further back than you can get it, so check some general anatomy of the penis just to be sure.
In answer to your original question, I would have thought you could have it done at any age but you would need parental consent under the age of 18. As you are in the USA the doctors tend to be a bit circumcision-happy, and perform this as a routine answer to any penis problem so unless you want this be careful. If you are offered this, then come back here and ask for more help before you agree.