It doesn’t say I have an update available.

It is going to depend on the phone that you are using and the version of iOS that you already have installed on your phone. If you are using a phone that can run the most current version and you get that message, then you have the most current version and you don’t need to update any further at the moment. If you are using an older phone that cannot be updated to most current version then it’s going to give you the message that it’s up to date because it’s running the highest version that it is capable of running.

It shows that you are using an iPhone 11 and running iOS 13 according to your profile. If that’s the case, then you are using the most current version probably and 13.6.1 is the most current. You can check to see what version you are running by going to Settings>General>About and getting the information from there. It will tell you what version you are running and what iPhone you have and all of that.

You have the most current iOS already installed, iOS 14 is a beta version, it is not recommended for daily use by consumers.

What version is currently installed? Look in Settings | General | About to find out.