I doubt it is anything serious. A couple of possibilities, yes, you could have an allergy. OR, you could have yeast overgrowth. OR you could have an infected hair follicle which happens in the area you describe. Try not to mess with it (because if it is not infected, dirty fingers could make it infected. You can try over the counter yeast infection treatment (which I guess I should ask if you have any discharge). when does your insurance card come through? If you are insured, card or not, this can be covered. good luck