Health insurance is more expensive than ever and people have been turning to cost-sharing ministries to help cover their medical bills. People pay monthly dues in hopes that if a large medical cost should arise, the group will foot the bill. Meet Keith who was paying over $500 a month to a cost-sharing program that he was led to believe was like traditional health insurance. When he needed a complex back surgery, Keith checked with the cost-sharing ministry to make sure he would be covered before he scheduled the procedure. After his surgery, however, the ministry refused to pay.