If that is the only way for you to get a termination, it would be your doctor's (the 'expert') call. If the health reasons are psychological/emotional, go see a psychologist.
Talk to your doctor about your concerns and he will terminate as he sees fit. If he declines, there are certain places that will terminate up until the 18th week.
You can have the pregnancy terminated without your doctors approval, you just have to have the money. They are around 400 dollars I believe. Good luck to you.