Across the nation, families are asking hard questions about the true cost of healthcare. As annual employer-sponsored family premiums surpass $26,993, a recent KFF report shows that this dramatic increase outpaces general inflation and wage growth. These conversations demonstrate a clear public demand for restructuring the healthcare system to prioritize patient affordability and supply chain resilience over corporate profits.
The Reality of Rising Costs
The latest KFF data highlights the growing financial burden on American families and employers, highlighting the urgency for alternative models. The average annual deductible for single coverage has reached $1,886, a 17% increase since 2020. With average family premiums up 6% from the previous year, and workers contributing an average of $6,850 annually to this cost, the profit-driven system is showing more faults than benefits for many families.
A Community-Centered Alternative
While top-down reforms often focus on regulating profits within the healthcare system, many Healthcare Sharing Ministries take a different path—removing profit from the equation altogether. As a modern faith-based alternative, led by former UnitedHealthcare executive Bob Malone, netWell™ exemplifies this bottom-up approach. Through a transparent, member-to-member sharing model, netWell is designed to bring healthcare back to what matters most: affordability, trust, and a people-first mindset. As others advocate for stronger domestic safeguards, such as pharmaceutical tariffs, netWell believes true resilience lies in building a health-sharing ecosystem that puts families and communities—not profit margins—at the center.
A common obstacle for those considering joining Healthcare Sharing Ministries has been the cumbersome reimbursement model, often requiring members to pay upfront and wait for their share to be paid back weeks or months later. Leveraging Malone’s experience as a former UHC executive, netWell has established a modern, efficient system that includes direct payment to providers and strategic partnerships with major vendors, such as Labcorp. This direct pay model ensures a smoother experience for members, allowing them to focus on their immediate family needs in this tough economy instead of complex billing cycles.
Partnerships That Put People First
Traditional healthcare often means costly compromise, where insurance companies partner with providers based on maximum profitability. Healthcare sharing ministries like netWell flip this script by creating strategic partnerships that focus on the best outcome for members, both financially and medically.
- Financial Alignment: By working directly with providers and utilizing innovative solutions like netWell™ Rx and netWell™ Meds, netWell secures transparent, fair pricing — achieving at the community level what tariff reforms seek to accomplish at the policy level: affordable access and reduced dependence on profit-driven middlemen.
- Mission Alignment: Every decision centers on what benefits members, not distant shareholders or profit reports.
The result is a healthcare experience that feels personal and grounded in shared values, providing a viable solution to the rising costs of healthcare.
Choose Healthcare Where Change Is Already Happening
The debate around pharmaceutical tariffs and rising cost trends signals a growing demand for consumer value and transparency. At netWell™, that transformation is already underway with a healthcare sharing model where affordability and humanity meet—proving that lasting reform doesn’t require new laws, just new priorities.
