Not sure if anyone else has posted this in the past. WLS was one of those items that my insurance would not pay regardless of your health condition. But they will pay several hundreds a month in medications to treat the side effects of being overweight. I have a 401K at work that I had been paying into and inquired if it was possible to withdraw funds from it for WLS. Their answer was yes, but any distribution would have a major penalty. But they suggested that I do a loan against my 401K. The advantage is that the interest rate is very low, 4.0%, and that any interest you pay on the loan goes back into your own account. There is the risk of losing your job and the loan gets treated as a withdrawal. But I was able to apply and actually have the funds in my hands within a week. I would have even considered it with insurance since it could cut out the 6-12 month approval timeline for medically supervised diets, studies etc. It may not be an option for everyone, but for some it may be worth looking into. I don't know if an IRA works the same way.

I don't have insurance at all and knew it was best option for me.

I paid part and put part on a low interest medical credit card.

I think its the best money I have ever spent!