I can't get affordable health insurance until I lose 20 pounds?

I need to lose 20 pounds so I'm no longer obese. Then I can get into an affordable health payment program. Until then I can't afford insurance so I hope nothing major happens. I've started eating healthy by cutting sweets, fried, processed, junk, and fast foods. Eating lots of fresh fruits and veggies with moderate amounts of whole grains and lean protein. I drink mostly water but will have tea sometimes with a spoonful of honey. For breakfast we have plain oatmeal with fruit but no sugar. My calories are 1300-1600. I'm not very consistent with exercise. I aim for 45-60 minutes of cardio 3-5 times/week and 2-3 strength training sessions each week, but don't always manage all that. So considering that, how soon can I reasonably expect to lose those 20 pounds?

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