At 14, I believe that you get a substantial break in the cost of membership. Going to their website to get more accurate information is free. Take a look and see if it suits you. I know that the first time something serious happens, you'll wish you had the insurance, if nothing else. No one plans on anything happening, but it sometimes does. In 30 plus years of this hobby, something went really wrong for me one time, and one time only. When it did, it was comforting to know I was covered.

Plus, I've had a lot of fun along the way in clubs where AMA was required. Flying by yourself all the time kind of takes the luster of of everything.