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Hi C,
Aye mujer, the insurance is the tricky part...you have to either have the high BMI or have a lower BMI with some kind of co-morbidity like high blood pressure, diabetes, etc. I am 5' 6" and at the time of my surgery I was 225 and wore a size 18. I didn't qualify on the high BMI, but I did qualify on a lower BMI and my high blood pressure. I have been on high blood pressure pills for about 3 years now.
It is hard to lose the weight and keep it off.
If you don't qualify for the surgery, I tell you what I did years ago that helped me lose weight. I tried it again before the surgery, but now that I'm older the weight didn't come off as well. I hired a nutritionist and a personal trainer. It's expensive, but if you aren't that heavy and you don't have any co-morbidities, maybe it will be a great investment for you.
Good luck hermana!