If you plan to get skin removal surgery and want it to be covered by insurance, make sure you document with your doctor ALL problems with skin rashes, sores etc. It isn't usually covered since it is considered cosmetic but if you can show a history of problems, there's a better chance of it being covered.
I have lost over 100 pounds and have some loose skin, but I am getting cryo therapy twice a week. It helps to produce collagen and tightens my skin as the weight comes off. If I had waited till I hit goal weight, I don't think it would have been as effective. I also sit in an infrared sauna which has its own list of benefits. Rebounding helps too.
There are some alternatives to surgery. Being proactive is important but it also depends on the amount of weight you have to lose and DNA. When I had rashes before losing the weight, I used a baby powder/cornstarch blend to keep the area dry. Moisture can make things painful and possibly infected.
Good luck!!