The evolving landscape of healthcare affordability and access continues to shift as netWell™, a federally recognized 501(c)(3) Health Care Sharing Ministry (HCSM), announces the appointment of Daniel Olmos as Director of Sales. The leadership move marks a significant milestone in the organization’s growth strategy, designed to strengthen broker partnerships, accelerate multi-channel sales expansion, and broaden access to its faith-based health sharing model across the United States.

As Americans increasingly seek flexible alternatives to traditional insurance structures, netWell’s strategic expansion reflects broader trends shaping healthcare innovation, community-based medical cost sharing, and personalized wellness solutions. The appointment signals a strengthened commitment to accessibility, member engagement, and long-term health affordability — themes that resonate strongly within New Jersey’s expanding health and wellness ecosystem.

Across the Garden State, conversations surrounding preventive care, alternative health models, and consumer-driven healthcare solutions continue to gain momentum, reflecting ongoing developments covered throughout Explore New Jersey’s Health & Wellness coverage.

A Strategic Leadership Appointment Driving Growth

Daniel Olmos joins netWell at a pivotal moment as the organization expands its reach to a wider audience seeking cost-conscious healthcare options rooted in shared values and community support.

In his role as Director of Sales, Olmos will focus on:

• Strengthening relationships with insurance brokers and advisors
• Expanding distribution channels nationwide
• Increasing awareness of health sharing membership options
• Enhancing member engagement strategies
• Supporting long-term organizational growth

The appointment reflects netWell’s emphasis on building scalable partnerships and improving accessibility to healthcare sharing programs designed to help individuals manage medical costs through community-based support.

As healthcare continues to evolve, leadership investments such as this play a critical role in shaping the future of consumer healthcare choices.

Understanding Health Care Sharing Ministries

netWell operates under a distinct healthcare model that differs fundamentally from traditional insurance systems. As a Health Care Sharing Ministry, the organization functions as a faith-based nonprofit where members voluntarily contribute funds each month to assist fellow members with eligible medical expenses.

This structure emphasizes shared responsibility, community support, and values-based participation.

Key aspects of the model include:

• Members contribute a Monthly Commitment Contribution rather than paying insurance premiums
• Funds are shared within a community of individuals who agree to shared ethical and religious principles
• Healthcare costs are distributed across participating members
• Participation is based on voluntary commitment rather than contractual obligation

This alternative approach has gained increasing attention among individuals seeking lower-cost healthcare options and greater transparency in medical spending.

Core Membership Structure and How It Works

netWell’s membership framework is designed to provide flexible participation options while encouraging responsible healthcare utilization.

Monthly Commitment Contribution (MCC)
Members make voluntary monthly contributions that support the community’s medical cost-sharing system.

Member Commitment Portion (MCP)
Similar to a deductible, the MCP represents the amount a member pays out of pocket before eligible expenses may be shared. Common participation levels include $2,500, $5,000, or $10,000.

Year-Round Enrollment
Unlike traditional insurance plans with limited enrollment periods, netWell allows individuals to join at any time, offering greater flexibility for consumers.

Provider Flexibility and Network Access
Members may choose their healthcare providers while also receiving preferred pricing through established networks such as First Health® and Multiplan/PHCS.

This framework provides members with autonomy, cost transparency, and community-based financial support.

Membership Options Designed for Different Needs

netWell offers multiple membership tiers tailored to varying healthcare priorities and financial considerations.

Elite+ Membership
This comprehensive option includes primary care, hospitalization, surgery, mental health services, and maternity sharing eligibility. It is designed for individuals seeking broad healthcare support.

Advantage Membership
This budget-focused option emphasizes catastrophic medical event coverage, offering financial protection for major health situations while generally excluding routine primary care.

These tiered structures allow members to select participation levels aligned with their healthcare needs and financial goals.

Healthcare Benefits and Program Features

The organization provides several notable program features designed to support long-term health management and affordability.

Maternity Support
Under the Elite+ membership, normal pregnancies and deliveries may be eligible for sharing up to $15,000 from the first dollar without an MCP, provided a six-month waiting period occurs before conception.

Prescription Access
The netWell RX program provides access to more than 1,000 maintenance and urgent-care medications at no cost to eligible members, supporting ongoing health management.

Pre-Existing Conditions
Conditions typically require a 24-month waiting period before related expenses become shareable, encouraging sustainable participation.

These features reflect the organization’s focus on long-term wellness planning and cost predictability.

Important Distinction: Health Sharing Is Not Insurance

A defining aspect of netWell’s model is its legal and operational distinction from traditional insurance.

Membership is not a contract or insurance policy, and there is no legal guarantee that specific medical expenses will be shared. Instead, participation is based on voluntary contributions and community commitment.

Members must agree to a Statement of Religious and Ethical Beliefs, although formal church documentation is not required.

This structure reflects a philosophy centered on shared values, collective responsibility, and faith-based participation.

Expanding Consumer Interest in Alternative Healthcare Models

netWell’s growth and leadership expansion occur amid rising consumer interest in nontraditional healthcare solutions. Increasing healthcare costs, changing employment structures, and evolving consumer expectations have contributed to growing demand for flexible healthcare alternatives.

Key drivers of this shift include:

• Desire for lower monthly healthcare costs
• Increased interest in community-based support models
• Growing emphasis on preventive care and wellness
• Demand for greater transparency in healthcare spending
• Preference for personalized healthcare participation

These trends are particularly relevant in regions like New Jersey, where residents actively explore diverse health and wellness solutions.

Healthcare Innovation and Wellness in New Jersey

New Jersey continues to serve as a hub for healthcare innovation, preventive medicine initiatives, and wellness-focused programs. From digital health technologies to community-based care models, the state remains at the forefront of efforts to improve accessibility and affordability.

Alternative healthcare structures such as health sharing ministries represent one component of this evolving ecosystem, complementing broader developments in:

• Preventive health services
• Lifestyle medicine
• Mental health awareness
• Community wellness initiatives
• Consumer-driven healthcare choices

netWell’s continued expansion aligns with this wider movement toward personalized and flexible healthcare solutions.

Strengthening Broker Partnerships and Distribution Networks

A central objective of Daniel Olmos’s appointment is strengthening relationships with brokers and advisors who serve as key intermediaries connecting consumers with healthcare solutions.

Multi-channel distribution strategies allow organizations to:

• Expand market reach
• Improve consumer education
• Enhance member onboarding experiences
• Provide personalized guidance
• Increase accessibility to healthcare alternatives

These initiatives help ensure that individuals and families receive clear information about available options and participation structures.

The Future of Health Sharing and Community-Based Care

Health care sharing ministries represent an emerging segment within the broader healthcare landscape, offering an alternative approach centered on shared responsibility and collective support.

As healthcare costs continue to rise nationwide, community-based models are gaining traction as potential solutions for affordability and access challenges. Leadership expansion, strategic partnerships, and member engagement initiatives will play a critical role in shaping the future of this sector.

netWell’s leadership appointment signals continued investment in innovation, accessibility, and community-driven healthcare participation.

A Growing Movement in Healthcare Choice

The appointment of Daniel Olmos as Director of Sales reflects netWell’s long-term vision to expand its reach and strengthen its position within the health sharing space. As the organization scales its operations and broadens consumer access, it contributes to a growing national conversation about healthcare affordability, flexibility, and shared responsibility.

For individuals exploring alternatives to traditional insurance structures, health sharing models offer a distinct approach rooted in community support and values-based participation.

As healthcare continues to evolve, leadership decisions, innovative models, and consumer demand will collectively shape the future of accessible care — both in New Jersey and across the nation.