Should i get phimosis treated?i can retract the foreskin when flaccid but not when erect.i am 28

See urologist : Consult a urologist to see if you are a good candidate for surgery and to discuss the risks and benefits.

Marginally ...: What you described is clinically marginal to undergo circumcision now because its presence seems not posing much personal nuisance, but in the long run, most likely, you will need it. So, monitor it closely and jointly decide medical necessity with your urologist/surgeon timely.