I am 16 years old and have a BMI of 57.9. Should I go to my insurence company and try

I am 16 I have a BMI of 57.9. I also found out that I am a diabetic. I have not contacted my insurence company yet. But, some people say I am wasting my time. What should I do ? Should I try anyways ? My family has a horrible medical history and I am slowly but surely starting to go through the same things they do. My dad is 40 and we are currently having some of the same problems and I'm only 16 !! Please help me what should I do ?

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