Part of being healthy is knowing the risks and consequences of sexual activity. Sexual health also means having access to protection if you choose to have sex, and having access to examinations for things like sexually transmitted diseases. If you or your family don't have private health insurance, but you don't qualify for public health insurance plans like Medicaid, you still have options.
The Family Planning Benefit Program (FPBP) covers contraceptives and many things related to reproductive health, like examinations and counseling for sexually transmitted diseases (STDs) and sexually transmitted infections (STIs). The FPBP also covers pregnancy tests and pregnancy counseling. For a comprehensive list of what FPBP covers, please see What Does FPBP Cover?
The Department of Health's Teen Health page has more information on health risks and options for teens.