The Federal Communications Commission faces a stark reality: America's cellular networks reach nearly everyone but not nearly everywhere. While 95% of the population can get 5G from at least one carrier, only 69% of road miles and 39% of land area have such coverage. In rural areas, those figures drop to 60% and 38%, respectively.

This is the rural-mobile divide—not about home broadband, but about losing service while driving, farming, hiking, or responding to emergencies. The conventional fix is more cell towers, but building them in every remote ravine or mountaintop is economically irrational. The FCC has approved up to $9 billion to close remaining 5G gaps, but instead of treating every dead zone as a construction problem, we should consider putting the last cell towers in orbit.

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Direct-to-device satellite service lets ordinary compatible phones connect to satellites when no terrestrial tower is available. No special equipment needed—the satellite acts as a tower in space. All three national carriers see satellites as integral to future networks. T-Mobile already offers this via Starlink, included in some plans or $10 per line for others. AT&T and Verizon have their own satellite partnerships, and in May the carriers announced a joint venture to expand coverage and pool spectrum.

This service doesn't replace terrestrial 5G—capacity is limited, initially focusing on messaging and emergency comms. But even basic connectivity can turn a dead zone into a place where someone can summon help or reassure family.

The question is how to deploy it quickly and affordably. The answer starts with the FCC's 5G Fund for Rural America, established in 2020 to subsidize mobile service in high-cost areas. Current rules require recipients to deliver conventional 5G speeds that satellites can't yet provide. Before committing to a decade of construction, the agency should create a direct-to-device tier to buy basic coverage where towers aren't viable, then let terrestrial-satellite partnerships bid.

Instead of prescribing infrastructure, the FCC should buy coverage and let providers compete. Carriers could bid for the minimum subsidy to provide satellite coverage in designated unserved areas without premium charges, in exchange for meeting requirements on availability, reliability, and handset compatibility.

That would advance the Communications Act's promise that rural consumers get services reasonably comparable to urban areas at comparable rates. Courts allow the FCC to balance comparability with affordability. Here, the balance is clear: spending enormous sums on towers in the most challenging terrain would drain resources from viable areas, while leaving those areas uncovered perpetuates the divide. Charging rural users extra—$120 a year—makes the least served pay more for basic connectivity.

FCC rules already require 5G Fund recipients to offer rural rates comparable to urban rates, so extending that to subsidized satellite coverage is an evolution of universal-service policy, not new price regulation. Universal service has always adapted to technology changes. Direct-to-device changes both. The last cell tower no longer needs to be built on a mountain—it can be deployed in space using a fund already authorized to bring mobile service to remote areas the market can't reach.