Congratulations on this new little life inside of you! And I agree with you about midwives, with the homelike setting and personal care. I've had two home-births and highly recommend midwives and also staying out of the hospital unless necessary.
High risk for what complications during pregnancy? Also, do doctors actually handle those complications better than midwives? On average, midwives have better results with certain populations, and this is possibly due to their more personalized care, longer prenatal visits, more attention to the woman who is pregnant (rather than just to her "clinical signs" like blood pressure and weight -- you know, treating you like an individual, rather than a widget on a machine), nutritional and dietary recommendations, etc. For instance, (http://bit.ly/4Eugn) this midwife who works among the lowest-income women of Washington, D.C., cut the rate of preterm birth (the biggest cause of infant mortality) in half, although her clientele is considered to be at-risk. And as this link shows (http://bit.ly/8YLQsm), even the government recognizes that midwives do a better job than doctors:
"Certified nurse midwives attended a greater proportion of women who are at higher risk for poor birth outcome: African Americans, American Indians, teenagers, unmarried women, and those with less than a high school education. Physicians attended a slightly higher proportion of births with medical complications. However, birth outcomes for certified nurse midwives were better even after sociodemographic and medical risk factors were controlled for in statistical analyses."
There are a few different kinds of midwives -- CNMs which are certified nurse midwives and allowed to practice in every state, but most only practice in hospitals (much of the time due to politics); CPMs which are Certified Professional Midwives, who have completed an intensive training program and passed a certification test (similar to or perhaps identical to ones that CNMs passed), but who were not Registered Nurses prior to becoming midwives; and non-certified midwives, who may be just as qualified as CPMs or CNMs, but just did not take the certification test. Just over half the states have legal CPMs, and in the remaining states, they are either legally restricted or there is a legal "gray area" in which they can practice midwifery, but certification is not recognized -- in these states, a midwife may have all the qualifications of a CPM but choose not to sit for the exam, simply because it's a waste of money since the credential isn't recognized. Other midwives may not become certified because they don't see a need, or don't want the government telling them what to do.
With that in mind, take your time and talk to the midwives about their qualifications, ask for referrals, ask what their track record is, when they transfer care during pregnancy and/or during labor, who they would transfer you to, do they have a back-up doctor, what you're at risk of developing due to your age, are they comfortable with handling your situation, etc. If the midwives you've met with are either CNMs or CPMs (or both), then you can be assured that they have met the requirements necessary for certification in your state. If the midwife is not certified, that is not necessarily an indication of anything wrong, and you may still feel safe with her, but you may also wish to go with a different care provider. I've had both a CNM and a CPM with my two different births, and there wasn't much difference between the two -- both times I got hour-long prenatal visits with no waiting time before, time to talk about any concerns with the pregnancy or with life, great prenatal care, counseling on nutrition, etc. I can't imagine going to a doctor to get a two-hour long wait and a 10-minute prenatal visit, and calling that "better care." Plus, the in-labor care midwives give is *awesome* (at least home-birth midwives, which is all I've had, but probably also at birthing centers and sometimes with hospital-based midwives as well). Doctors tend to manage your care over the phone, barely even in the hospital except when you give birth, with the nurses basically in charge.
It may be that there is some reason why you would need to see a doctor, either now or in the future; but "just because you're 16" doesn't seem to be one of them.