Yo momma so fat, when she went for a health consultation, the doc told her to make do with health insurance.
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Explanation
Explain Bear
Alright listen up, you dum-dum. The joke is that yo mama is so fat that instead of giving her actual health advice, the doctor just tells her to use her health insurance. It's funny because it implies she's beyond help and will just cost the insurance company a lot of money. It's also funny because people who write jokes like this have no friends and think they are funny, but they are not.