What netWell does

netWell is a 501(c)(3) Health Care Sharing Ministry (HCSM) that facilitates member-to-member sharing of eligible medical expenses based on shared religious and ethical beliefs. Operating as a federally recognized nonprofit and structured alternative to traditional health insurance, the ministry serves individuals and families across 26+ U.S. states (excluding CA, MD, VT, and WA) who are uninsured, underinsured, or seeking alternatives to ACA marketplace and employer-sponsored coverage. The member base also includes faith-based community constituents reached through organizations such as Women of Faith, and the distribution layer extends to licensed insurance agents and brokers who enroll clients on the ministry's behalf.

The product portfolio centers on two medical membership tiers: Advantage (catastrophic, from $195/month) and Elite+ (all-inclusive, from $269/month, with optional Member Care Package thresholds of $2,500-$10,000). A modular stack adds three dental sharing tiers powered by Bento ($35-$65/month), netWell Vision via WebEyeCare, prescription savings via revive Rx and netWell Meds, hospital-bill negotiation via Goodbill, lab access via Labcorp, 24/7 veterinary telehealth via whiskerDocs, and telemedicine/telecounseling. The technology stack pairs a browser-based member portal at member1.netwell.com with a provider portal, an online enrollment and callback-scheduling system at enroll.netwell.com, and direct integrations with the Aetna First Health PPO and PHCS/MultiPlan provider networks for nationwide in-network access. Partner integrations deliver capabilities without internal buildout and the ministry pays providers directly rather than operating a reimbursement model.

Revenue arrives as recurring monthly member contributions (Advantage and Elite+) plus supplemental membership fees across dental, vision, and ancillary modules, rather than as insurance premiums. The always-open enrollment design removes ACA qualifying-life-event frictions. Distribution is multi-channel: direct-to-consumer website and phone sales, a licensed agent/broker channel supported by the November 2025 partnership with North American Insurance Services (NAIS), and faith-based community outreach. Leadership is led by former UnitedHealthcare executive Bob Malone as President and CEO; Daniel Olmos was promoted to Director of Sales in February 2026 to oversee the direct-to-consumer service team and broker partnership expansion.

Name

netWell

Legal name

netWell

Website

https://netwell.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

netWell is a 501(c)(3) Health Care Sharing Ministry offering faith-based medical cost-sharing memberships (Advantage from $195/month and Elite+ from $269/month) plus supplemental dental, vision, Rx, lab, and veterinary benefits to U.S. individuals, families, and broker-distributed clients in 26+ states.

Ownership category

akta.pro rank

Product category

Health Care Sharing Ministry

NAICS

Voluntary Health Organizations (813212), Religious Organizations (8131), Health and Welfare Funds (52512)

SIC

Services-Social Services (8300), Services-Membership Organizations (8600), Hospital & Medical Service Plans (6324), Services-Health Services (8000)

akta.pro primary industry

Faith-Based Healthcare Ministries (Hospitals, Clinics, Medical Missions) (BPAGAJAH)

Keywords

• Health care sharing
• Medical cost sharing
• Dental sharing plans
• Prescription savings programs
• Hospital bill negotiation

Headquarters

HQ city

Ringwood

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Monthly Member Contributions / Shares: Members pay monthly share amounts (contributions) that are pooled to cover eligible medical expenses of fellow members. This is the primary revenue stream. Plans include Advantage (starting at $195/month), Elite+ (starting at $269/month), dental memberships ($35-$65/month), and referral incentives ($200 credit for both referrer and referred after conditions are met). Revenue is entirely contribution-based rather than premium-based as in traditional insurance.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

netWell is a nonprofit 501(c)(3) Health Care Sharing Ministry (HCSM) that facilitates member-to-member sharing of eligible medical expenses based on shared religious and ethical beliefs. Members pay monthly contributions that are pooled to cover eligible medical bills, with access to a nationwide PPO provider network and supplemental services including dental, vision, prescriptions, telemedicine, and veterinary support.

Product overview

netWell is a nonprofit 501(c)(3) Health Care Sharing Ministry (HCSM) offering a community-based alternative to traditional health insurance. The core product consists of two healthsharing membership tiers: the Advantage (catastrophic) plan and the Elite+ (all-inclusive) plan. Members contribute monthly shares to help cover each other's eligible medical expenses. The portfolio includes supplemental add-on modules: dental sharing plans (Silver, Gold, Platinum) powered by Bento; netWell Vision powered by WebEyeCare; prescription savings through revive Rx and netWell Meds; hospital bill negotiation via Goodbill; nationwide lab services through Labcorp; 24/7 veterinary telehealth via whiskerDocs; and telemedicine/telecounseling services. Members access care through Aetna First Health PPO and PHCS/MultiPlan provider networks. The ecosystem includes a browser-based member portal and provider portal for member self-service.

Differentiator

Problem solved

Functional benefit

Brands

• netWell Vision: Vision care partnership with WebEyeCare providing savings on eyewear, contacts, and online prescription services
• netWell™ Rx
• revive® Prescription Benefit Program
• netWell™ Dental
• Goodbill
• netWell Meds
• Advantage Membership
• Elite+ Membership

Products and services

• Advantage Membership A catastrophic healthcare sharing plan starting at $195/month covering telemedicine, imaging and laboratory, emergency room, inpatient/outpatient surgery, and hospitalization for individuals and families seeking affordable healthcare sharing alternatives.
• Elite+ Membership An all-inclusive healthcare sharing plan starting at $269/month covering telemedicine, imaging, emergency room, surgery, hospitalization, telecounseling, preventive care, primary care, specialist visits, urgent care, and maternity care. MCP options of $2,500, $5,000, or $10,000 allow customization of cost-sharing balance.
• netWell Dental (Silver, Gold, Platinum) Supplemental dental sharing memberships powered by Bento starting at $35/month. Three tiers (Silver at $35, Gold at $50, Platinum at $65) provide access to nationwide Bento-affiliated dentists with coverage for preventive care, basic and major restorative work, and orthodontia.
• netWell Vision Vision care service powered by WebEyeCare providing members savings on glasses, contact lenses, and online prescription services including the ability to update prescriptions from home.
• netWell Rx (revive Prescription Benefit Program) Free prescription drug program with 1,000+ maintenance and urgent-care medications available for home delivery or at 70,000+ pharmacies nationwide. Included with netWell membership at no additional cost.
• netWell Meds Prescription maintenance medication program providing additional pharmacy options and delivery services for ongoing medications.
• Goodbill Hospital Bill Negotiation Hospital bill negotiation service that provides professional review and negotiation of hospital bills, often reducing bills by up to 95%. Documented savings include 89% on a Las Vegas hospital bill and 84-85% on Frisco, TX hospital bills.
• Labcorp Lab Services Nationwide laboratory services partnership providing members access to 2,000+ Labcorp testing centers for affordable and reliable diagnostics. Included with membership at no extra cost.
• whiskerDocs Veterinary Support 24/7 veterinary telehealth support providing members 25% off whiskerDocs services with access to veterinary experts via phone, chat, or email for guidance on pet health questions, symptoms, behavioral concerns, medication questions, wellness advice, and triage decisions.
• Telemedicine and Telecounseling Virtual healthcare services included with membership providing telemedicine and telecounseling with 24/7 access to master-level clinicians. Members are typically connected within 30 minutes.

Quantifiable outcome

• 89% savings on Las Vegas hospital bill ($19,759 → $2,165) through Goodbill partnership
• +4 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature3 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• WebEyeCarecoreStrategic or Co-development Partner · 1 June 2026netWell launched netWell Vision in partnership with WebEyeCare to provide members with savings on glasses, contact lenses, and online prescription services. Members receive additional savings on products already available at significant discounts through WebEyeCare. This partnership is part of netWell's ongoing commitment to reducing everyday healthcare-related costs for members.
• whiskerDocsminorStrategic or Co-development Partner · 1 March 2026netWell partners with whiskerDocs to provide members with 24/7 discounted veterinary telehealth support. Members receive 25% off whiskerDocs services and can connect via phone, chat, or email with licensed veterinarians and credentialed veterinary technicians for guidance on symptoms, behavioral concerns, medication questions, wellness advice, and triage decisions for their pets.
• North American Insurance Services (NAIS)coreChannel Partner/ Reseller/ Distributor · 1 November 2025netWell partners with NAIS to empower insurance brokers and agencies nationwide with knowledge, tools, and resources to confidently serve clients with health-sharing options. Benefits include expanded product offerings, expert industry knowledge, and business growth tools. NAIS provides a comprehensive suite of support services for affiliated brokers.
• Women of FaithcoreGTM or Marketing PartnernetWell and Women of Faith partner to promote whole-body health combining physical and spiritual well-being. Joint initiatives include educational resources, seminars, and advocacy for affordable healthcare. netWell members receive a 15% discount on Women of Faith resources including Group Coaching, Keys for Living e-books, and classes using code NETWELL15.
• GoodbillcoreStrategic or Co-development PartnernetWell partners with Goodbill for professional hospital bill review and negotiation services. Goodbill has negotiated savings of 84-89% on hospital bills for netWell members, including a Las Vegas case ($19,759 → $2,165, 89% savings) and Frisco TX cases ($11,427 → $1,664, 85% savings; $26,898 → $4,280, 84% savings). Goodbill provides advocacy even when a bill is not eligible for sharing.
• LabcorpcoreStrategic or Co-development PartnernetWell partners with Labcorp to provide members with access to 2,000+ nationwide testing centers for affordable and reliable diagnostics. Labcorp services are included with membership at no extra cost.
• Bento (Dental Network Provider)coreTechnology or IntegrationnetWell Dental is powered by Bento, providing a nationwide network of dentists and flexible care options with or without in-network dentists. Bento enables three dental plan tiers (Silver, Gold, Platinum) with varying sharing limits and coverage percentages. The partnership provides transparent, straightforward dental cost-sharing with no traditional insurance deductibles or waiting periods.
• revive Rx (Prescription Benefit Program)coreStrategic or Co-development PartnernetWell Rx (revive Prescription Benefit Program) offers free prescription drug program with 1,000+ maintenance and urgent-care medications available for home delivery or at 70,000+ pharmacies nationwide. Included with membership at no additional cost.
• Aetna (First Health PPO Network)coreTechnology or IntegrationnetWell members access Aetna's First Health PPO network, a nationwide provider network including primary care physicians, specialists, urgent care centers, and hospitals. This enables most members to continue seeing existing doctors and specialists.
• PHCS / MultiPlancoreTechnology or IntegrationnetWell members access providers through PHCS and MultiPlan networks. Providers can be verified through netWell's website or member portal. Out-of-network providers can still be seen as self-pay patients with documentation submitted for reimbursement.

Scale indicators5 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• Christian Healthcare Ministries: Long-established faith-based cost-sharing ministry offering Gold, Silver, and Bronze programs. Directly comparable to netWell as a 501(c)(3) HCSM serving Christian individuals and families.
• Samaritan Ministries: Christian HCSM where members send monthly shares directly to other members to cover medical needs. Same faith-based cost-sharing category as netWell, with comparable values-aligned community positioning.
• Sedera Health: Medical cost-sharing community operating on a member-contribution model with Direct Primary Care and telehealth add-ons. Comparable to netWell in product structure and target member (individuals/families seeking insurance alternatives).
• Christian Care Ministry (Medi-Share): Largest faith-based Health Care Sharing Ministry in the U.S., offering medical cost-sharing memberships on a monthly contribution model. Directly comparable to netWell in product, target customer (faith-affiliated individuals/families), and 501(c)(3) nonprofit structure.
• Zion HealthShare: Faith-based healthcare sharing ministry with Essential, Premier, and Providence membership tiers and direct-billing provider arrangements. Direct competitor to netWell in plan design and faith-based positioning.
• Liberty HealthShare: Faith-based HCSM providing direct-share healthcare programs for individuals and families. Operates the same member-contribution pool model with multi-tier plans and provider networks, making it a near-direct competitor to netWell.
• OneShare Health: Faith-inspired healthcare sharing membership organization with tiered individual/family plans and supplemental programs. Closely aligned with netWell's product structure and faith-based GTM motion.

Emerging players

• CrowdHealth: Community-based medical crowdfunding platform where members fund each other's medical bills monthly. Adjacent sharing-based alternative to traditional insurance, attracting a similar value-conscious consumer segment though using a non-faith-based model.
• Impact Health Sharing: Newer entrants (e.g., Impact Health Sharing, HSA Safe) in the HCSM space targeting affordable alternatives to ACA plans with faith-rooted value propositions. Comparable product/category though typically smaller member base than netWell's established peers.

Broad incumbents

• UnitedHealthcare: Largest U.S. health insurer offering individual, employer-sponsored, and ACA marketplace plans. While not a peer in sharing ministry sense, netWell's leadership (former UnitedHealthcare executive Bob Malone) and shared provider networks (MultiPlan) make it a relevant incumbent benchmark for the alternative netWell targets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/netWellHealth
• Facebookfacebook.com/netwellhealthshare
• LinkedInlinkedin.com/company/netwell

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about netWell