Either way, you are unlikely to get a 'free' breast reduction at your age. The breasts do not stop growing until around age 18, and many reputable surgeons will not perform surgery on a woman younger than that.
If you want a reduction when you are slightly older, in order for insurance to cover the operation you will have to hit several requirements. These include not being very overweight, as well as health problems that are associated with larger breasts. Your doctor will be able to access you to see if you hit the criteria - if you have no health problems because of the size of your breasts and just want a reduction for cosmestic purposes, you'll probably have to pay for it.
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