The reason the pill is prescription only is because it contains hormones that override your body's natural rhythms - this is quite a big deal. There are also some very serious potential side effects that are associated with certain medical conditions: for instance, if you are prone to or have high blood pressure, the pill can cause it to skyrocket and it may, as in my mother's case, never return to normal. The pill is perfectly safe for 99% of women, but it's the 1% they need to be careful about. It also must be taken correctly and responsibly, or it can fail and/or seriously mess up your system. There are many, many, many different kinds of pills with different hormone levels and hormone types (ie estrogen vs progesterone) and they will each have a different effect on your body. A doctor can tailor the pill type to exactly what suits you best. For example, I'm on a pill that helps with acne, since I have minor skin problems, and closely mimics the body's natural hormone cycle to keep me regular and moderate mood swings. Another friend is on a completely different pill because she needs to be able to run packets together and have a period every three months instead of every month (she has wickedly painful, vomiting periods), and this can only be done with certain hormone regimes.
All that being said, I've been on the for almost ten years and I think it's wonderful. Most women I know take it. But it is a complex medication, not a simple aspirin, so a doctor must decide if and which pill is appropriate for you, even if it is a very straightforward and quick process.
This is a side note, and at risk of sounding a bit preachy: you said you are 25 and don't have a doctor or a health plan. A health plan is one thing (I'm guessing you're American?), but am I correct in thinking that, as you don't have a doctor, you haven't had a pap smear and pelvic exam before? By the age of 25, regardless of whether you are sexually active, having regular checkups is a very wise idea. In Canada and the UK, two countries I have lived in, it is virtually required that you start having exams when you are 21, virgin or not. Any doctor who could perform the exam could also prescribe you birth control pills. I would strongly recommend booking into a sexual health clinic or parental planning clinic for a pelvic exam and ask for the birth control pill at the same time. If it would be easier with your family's assistance, a request to have a check-up that all women should have regardless of sexual activity is hardly something they should give you s**t about. Then maybe you can "sneak" the BC prescription in at the same appointment? Apologies for the mini-lecture - but with such things it's always better to be safe than sorry and this looks like a great opportunity for you to get two birds with one stone.
Whatever your choices, good luck!