I need to gain 20 lbs for approval. Am I crazy?

My BMI is not quite as high as it has to be to get insurance approval. I would have to gain about 20 lbs to qualify. Everyone thinks this would be fun and encourages me to do it (including my doctor.) I feel like I'm in the Twilight Zone and it makes no sense to gain in order to lose. Am I crazy for considering to gain 20 in order to lose 140?

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