Washington consumers looking to cut their health care costs in the face of rising premiums are being warned to steer clear of religious-based plans that look like insurance, but don’t operate by the same rules.

“Don’t fall for it. They’re not going to help you,” said an angry Bethany Stull, who believed that her coverage through a company called OneShare would cover her medications for treatment of a brain tumor. “Every single time I got a big invoice (from the doctor) and it said patient’s responsibility and it was 100% of the bill.”

That was when she learned that OneShare is not legally an insurance company. It’s listed as a “Health Care Sharing Ministry,” which has certain protections under federal law.

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