At Pay It Forward Health, members share one another's medical costs in a community built on generosity. Keep your own doctors, skip the networks, and pay a fraction of what traditional insurance costs — and when you're well, you help pay it forward.
$48M+
shared by members
4.9/5
member rating
Why members choose us
Three things make sharing different from insurance — and they all come back to people helping people.
Open to people of every background and belief. There is no religious requirement and no health questionnaire to get a quote.
Keep the doctors and hospitals you already trust. There are no provider networks and no referrals to chase.
No open-enrollment window. Join whenever life calls for it, and your sharing begins the first of the following month.
How It Works
No deductibles to satisfy, no networks to navigate. Just a transparent, three-step rhythm of community care.
Pick the program that fits your household and enroll online in minutes. No agents, no pressure.
Your affordable monthly share goes into a community that supports one another — a fraction of typical premiums.
When a medical need arises, submit a sharing request. Eligible needs are shared by the community, often within days.
Real results for real families
Members keep more of their money and still get the care they need — backed by a community that shows up.
up to 50%
Average savings vs. insurance
Most members pay far less each month than they would for a comparable insurance premium.
48 hours
Typical processing time
Most eligible sharing requests are reviewed within two business days — you are never left waiting.
98%
Eligible needs shared
When a need meets the guidelines, the community comes through — consistently.
Everything included
Your membership is more than cost sharing — it is a full circle of care that surrounds you and your family.
The heart of your membership — eligible doctor visits, hospital stays, surgeries and more, shared by the community.
Explore servicesAnnual wellness visits and screenings that help you stay ahead of problems, included in your membership.
Explore servicesMeaningful discounts on everyday and specialty medications through our pharmacy savings program.
Explore servicesTalk to a licensed provider by phone or video, day or night, usually at no additional cost.
Explore servicesOur team reviews and negotiates large bills on your behalf, so you are never facing the system alone.
Explore servicesA way for our community to come alongside members with needs that fall outside the guidelines.
Explore servicesMember stories
Real members, real needs met. This is what community care looks like.
Switching to Pay It Forward Health was the best decision for our family. We save over $400 a month, and it actually feels like a community.
Sarah Mitchell
Family member since 2023
When my son needed surgery, the community came through. The process was clear and our need was shared quickly. I could not be more grateful.
David Kim
Family program member
As a self-employed designer, traditional insurance was out of reach. This gives me real peace of mind at a price I can finally afford.
Maria Lopez
Individual program member
A different model
Pay It Forward Health is a health care sharing program — not insurance. Members voluntarily share one another's eligible medical costs as an act of community and mutual aid.
