FIRST TIME SEX

My boyfriend is 24 and I am 18. We met at work and we’ve been dating about two months now. The thing is, I’m a virgin and I’m scared to have sex because I don’t want to get pregnant and I can’t get on birth control cause I’m under my parents insurance. But here’s the thing, everytime I go over and we start doing stuff, he stops because he knows that I’m not going to have sex with him and today we had a big discussion about how it’s so hard to him because in his last relationship he had sex and we started dating right after he broke yo with his ex for me and I guess it’s been so long and his needs are so high that he gets frustrated with me. But he kept constantly repeating how he felt like an asshole and he doesn’t want me to feel rushed to do it and it’s not my fault at all but that’s just how he feels. Then he stared talking about all his stress and how everything is so difficult in his life and he hates that he makes me feel that way but he just has so much going on but he has a hard time expressing it. Point is, he knew what he was getting into and I don’t know if I should give it up to him... help!!!