Well luckily I don't have any health problems, but I know that is a strike against me. I'm 25, 5'6", 210 lbs, with a BMI of 34. I read some people gained weight, but crap! I don't want to gain and have to loose more! My insurance ends at the end of this year so I know they won't pay for it. So it would definitely be an out of pocket expense.