If you’ve been looking for alternative health care options compared to traditional health insurance, you may have discovered a health care sharing ministry (HCSM). These community-based programs are becoming increasingly popular, but with that growth comes a fair amount of confusion and misinformation.
Let’s clear a few things up. Below, we’ll break down 5 of the most common misconceptions about health sharing and help you see why a program like netWell™ is the right fit for your healthcare needs.
Misconception #1: Health sharing is the same as insurance.
Truth: Health sharing is not insurance.
Instead, it’s a nonprofit, community-based model where members contribute monthly to help pay each other’s eligible medical expenses. There are no insurance contracts, no deductibles, and no networks. You’re not buying coverage—you’re joining a community of people who support one another financially when medical needs arise.
Misconception #2: Health sharing isn’t reliable.
Truth: Many health care sharing ministries—especially established ones like netWell™—have long histories of consistently sharing millions in medical bills. Health sharing isn’t just a contract like insurance; it is built on transparent guidelines, strong community ethics, and group accountability. At netWell™, we offer clear eligibility criteria, responsive member support, and plans for both individuals and families.
Misconception #3: You can’t choose your own doctor.
Truth: With health sharing, there are no provider networks. You can go to any licensed healthcare provider. That’s one of the most significant differences compared to traditional insurance, which often limits care to in-network providers only. Members enjoy the flexibility and freedom to use trusted doctors or specialists, without worrying about network restrictions.
Misconception #4: Pre-existing conditions are always excluded.
Truth: While every health care sharing ministry has its own rules, many, including netWell™, do share in certain pre-existing conditions after a waiting or phase-in period. It’s not all-or-nothing. The key is to read the program guidelines and understand your options.
Our team is happy to walk you through what’s shareable based on your health history. Reach out to a support agent with your questions on pre-existing conditions for answers that apply more directly to your unique circumstances.
Misconception #5: It’s too good to be true.
Truth:
Health sharing is a smart and affordable alternative for people who want more control over their healthcare experience and costs. Many members save 40–50% compared to traditional insurance, while still getting access to the quality care they need. It’s a model based on community, trust, and transparency, not corporate profits.
Considering Health Sharing? We’re Here to Help!
At netWell™, we aim to help our members make their healthcare work for them. Our team is equipped to answer any questions you may have about how health care sharing works, estimated monthly payments tailored for you, and provide you with resources to help aid your decision. Plus, at netWell, we have open enrollment year-round, giving you even more flexibility in your healthcare journey.
