You look to have a good contour and I am not entirely sure that surgery would be in your best interest. It is difficult to comment without an examination and you should consult with a PS with experience in both surgical and non surgical treatments.
It appears that you have some rolls of fat and skin. The best approach to definitively deal with both of these issues is probably neck lift with liposuction. I'd recommend that you seek a consultation with an experienced plastic surgeon.
Neck lifts are not typically covered by insurance, but most offices offer financing options. I recommend to seek an experienced board certified plastic surgeon to discuss your options. There is also the possibility that you may be a candidate for a more cost effective or non surgical procedure....
