It's a health care gamble that more local families are taking. Medical cost-sharing plans are growing in popularity, offering people an alternative to standard health insurance policies. Jessica Hall, a self-employed as a jeweler in the River Arts District, said it's the most affordable option for her. "'Well, is it going to work? ' That was my first thought. Will this actually pay, because the cost of medical is really high," Hall said. She admitted she was skeptical about the idea at first.