Should I qualify for bariatric surgery? I am 5’5, about 245 pounds.

Given your height of 5’5” and current weight of approximately 245 pounds, your Body Mass Index (BMI) is around 40.7. This places you in the category of Class III obesity, which is commonly referred to as severe or morbid obesity.
According to established medical guidelines, individuals with a BMI of 40 or higher are typically considered eligible for bariatric surgery, even in the absence of documented obesity-related health conditions. While comorbidities such as type 2 diabetes, hypertension, or sleep apnea can further support the indication for surgery, they are not strictly required when the BMI exceeds 40.
Eligibility for surgery also involves a comprehensive evaluation by a bariatric specialist. This assessment includes your medical history, psychological readiness, prior weight loss efforts, and your understanding of the long-term commitment required after surgery, including dietary changes, regular follow-up, and lifestyle modifications.
Based on your BMI alone, you would likely meet the criteria for bariatric surgery. However, a formal consultation with a multidisciplinary bariatric team would be essential to determine your overall suitability and to guide you through the process safely and effectively.

Hi,
I would definitely consider the case for an evaluation.
The
first thing is, that you must evaluate yourself with a certified bariatric
surgeon to review your case and then proceed to present you the best
options. Do not get discouraged in the search of options to improve your
health if insurance doesn't cover, you still have options. 
My
Best Regards,

Yes you do qualify even though you don't have any medical conditions yet. You do fall into the category of "morbid obesity" and weight loss surgery is a very good option for you. I would recommend you talk to a bariatric surgeon to know more about this. I wish you the best on this amazing journey. Dr. Alvarez

Your BMI is over 40, so you qualify.  Only government insurance plans such as Medicare or Medicaid won't cover it unless you have comorbidities.