Health Care Sharing Ministries, or HCSMs, advertise themselves as a more affordable, faith-based alternative to health insurance. But John Oliver explains some of the massive limitations these plans can have.

Connect with Last Week Tonight online...

Subscribe to the Last Week Tonight YouTube channel for more almost news as it almost happens: www.youtube.com/lastweektonight

Find Last Week Tonight on Facebook like your mom would: www.facebook.com/lastweektonight

Follow us on Twitter for news about jokes and jokes about news: www.twitter.com/lastweektonight

Visit our official site for all that other stuff at once: www.hbo.com/lastweektonight