Hi,Welcome to HCM,
It seems that you are having problem of Phimosis
If you are not able to retract foreskin then it may create problem while doing intercourse and can bring emergency if after forceful retraction skin does not come on its original position,is called Para phimosis.
If this problem is since long then it is phimosis but it appeared recently then it is likely that this may be due to collection of smegma
under the fore skin and not cleaning daily while taking bath,then also you may get phimosis.
Consult surgeon and get Circumcision
So for marital relation this is a must.
Ok and bye.