In this Sunday, Dec. 3, 2017, photo, Lance and Stephanie Schmidt pose for a photo with their children, from left, Stella, Theo and Solomon, at their home in Oklahoma City. The Schmidts have opted for a cost-sharing ministry this year after they realized their monthly insurance bill would have more than doubled to over $1,200 and stuck them with an $8,000 deductible for their family of five. (AP Photo/Sue Ogrocki)
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