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Health SharingReport

netWell membership

Christian share with named tiers (Advantage, Elite+). Faith statement required. Not insurance.

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.

Consumer brand
netWell
Underlying sharing organization
netWell
Administrator
netWell
Underlying program group
netwell-core
Editorial score
70 (2026.2)
Reviewed
2026-09-01
Status
Enrolling
State exclusions
No verified exclusion list

Guideline 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
Member Commitment Portion. Elite+ options $2,500 / $5,000 / $10,000. Advantage $5,000 / $10,000. Maternity on Elite+ does not apply MCP.
Pre-existing
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 periods
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.
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.
Cancellation
Ministry membership rules. Requests after termination are not considered.