netWell
Christian share with named tiers (Advantage, Elite+). Faith statement required. Not insurance.
- Editorial score
- 70
- Methodology
- 2026.2
- Reviewed
- 2026-09-01
Health sharing is not insurance. Programs are not legally required to pay medical expenses and do not have to provide Affordable Care Act protections. NAIC consumer guidance.
Identity and structure
We separate the consumer brand from the organization that actually administers sharing, so two white labels of one program cannot look like two independent choices.
- Consumer brand
- netWell
- Underlying sharing organization
- netWell
- Program administrator
- netWell
- Underlying program group
- netwell-core
- Membership standard
- Christian faith and lifestyle standards
- Sharing model
- Health-care sharing ministry
- Directory status
- Enrolling
- State exclusions (verified)
- No verified exclusion list
- Operating since
- Unpublished
- CMS-named HCSM
- No / not applicable
Best for
- Christians comparing tiered memberships in broker channels
Not ideal for
- Secular households
- Anyone needing guaranteed payment
Program facts
- Monthly share
- Advantage vs Elite+ monthly contributions. Marketing ‘as low as’ figures are not a quote. Confirm the current netWell schedule for the selected book.
- Member responsibility (IUA)
- Member Commitment Portion. Elite+ options $2,500 / $5,000 / $10,000. Advantage $5,000 / $10,000. Maternity on Elite+ does not apply MCP.
- Household pricing
- Household-based. The selected book (Advantage vs Elite+) changes what is shareable.
- State availability
- Confirm current geographic rules.
- Pre-existing conditions
- Elite+ 2026 book: 24-month lookback and a minimum 24-month wait. Maintenance office visits are excepted. Advantage is catastrophic — read that book separately.
- Waiting / phase-in
- Many Elite+ services carry a 90-day wait from the effective date unless life-threatening.
- Maternity
- Elite+ only, when maternity provisions are met. No MCP. Maximum sharing $15,000. Advantage does not include maternity care on the public membership page.
- Preventive
- Elite+ includes preventive and primary-care sharing after waits. Advantage does not. Not an ACA mandate.
- Prescriptions
- Confirm the selected 2026 book. Not a formulary.
- Virtual care
- Telemedicine is listed on both public memberships. Confirm current partners.
- Provider access
- Typically any provider. Office-visit sharing can be capped (Elite+ names a $350 balance-bill ceiling on some visits).
- Limits
- Advantage: $250,000 per year / $500,000 lifetime. Elite+: $1,000,000 per year / $2,000,000 lifetime. Up to 40% of contributions may go to administration, charity, and overhead.
- Membership requirements
- Statement of Religious and Ethical Beliefs. Failure to follow it is a termination ground.
- Cancellation
- Ministry membership rules. Requests after termination are not considered.
How this score was built
| Dimension | Weight | Score |
|---|---|---|
| Sharing scope and material limitations Advantage is catastrophic ($250,000 year / $500,000 lifetime). Elite+ is broader ($1,000,000 year / $2,000,000 lifetime) with a $15,000 maternity cap and a 24-month pre-existing wait. Many services carry a 90-day wait. | 20 | 66 |
| Cost and member responsibility Member Commitment Portion options ($2,500 / $5,000 / $10,000 on Elite+). Marketing ‘as low as’ monthly figures are not a quote. | 20 | 70 |
| Transparency and guideline clarity Separate 2026 Advantage and Elite+ books, revised August 12, 2026. Up to 40% of contributions may go to administration, charity, and overhead. | 20 | 74 |
| Member support and advocacy Broker-forward membership. Documented member portal. We do not treat reviews as evidence. | 15 | 66 |
| Provider access and included services Elite+ includes primary, preventive, urgent, and maternity sharing after waits. Advantage does not. | 10 | 70 |
| Administration and operating history Christian HCSM with a Statement of Religious and Ethical Beliefs. Public founding year unpublished. | 10 | 66 |
| Evidence freshness and completeness Reviewed the August 12, 2026 Elite+ and Advantage books on 2026-09-01. | 5 | 80 |
Known limitations
- Score is of the living Elite+ / Advantage books, not a collapsed ‘netWell’ average.
- Faith / ethical-beliefs attestation is a hard filter, not a scoring penalty.
- SourcenetWell Elite+ Member Guide 2026 (rev. August 12, 2026)Effective 2026-09-01Reviewed 2026-09-01
- SourcenetWell Advantage Guidelines 2026 (rev. August 12, 2026)Effective 2026-09-01Reviewed 2026-09-01