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The Doctors are joined by Keith, who feels he was scammed by a cost-sharing ministry, as well as Washington state insurance commissioner Mike Kreidler and consumer protection attorney Peter Holland. They discuss how Keith needed to file for bankruptcy after his cost-sharing ministry refused to pay the bill for his necessary back surgery, leaving him with hundreds of thousands of dollars in debt. Does Keith have any legal recourse? Peter Holland shares there are laws that could work in Keith’s favor that could help him claim fraud against the cost-sharing ministry that agreed to pay for his back surgery and after the procedure, denied they would.