Pay It Forward Health exists for one reason: healthcare should be affordable, honest, and rooted in people helping people. We bring families together to share medical costs — and to remind each other that no one should face a health crisis alone.
We are a health care sharing community, not an insurance company. That difference is the whole point — and the heart of how we keep care within reach for thousands of households.
Why we exist
It started with a question families kept asking: why is good care so expensive, and why does it feel like you're on your own when you need it most? We believed there had to be a kinder, more affordable way.
So we built one around an old idea. In a sharing community, the members who are well help carry the costs of the members who are sick. When your season of need passes — and it will — you're there to help carry the next family through theirs. The gift keeps moving forward.
That's "pay it forward" in practice: generosity given today becomes the support you can count on tomorrow. It's not charity and it's not a policy. It's a community that shows up for each other, month after month.
What guides us
Four commitments shape every decision we make — from how we answer the phone to how we steward your share.
Every shared need is someone’s real, often frightening, moment. We meet members with warmth and dignity, never a form letter or a runaround.
Your monthly share is a sacred trust. We keep costs lean, negotiate hard on big bills, and treat every dollar as if it were our own family’s.
Healthcare works best when neighbors look out for neighbors. Our members form a genuine network of support — not a faceless policyholder pool.
No hidden fees, no surprise bills, no fine print designed to trip you up. We show exactly where shares go and how needs are met.
What we believe
We welcome people of every background, belief, and walk of life. There's no membership test of faith and no health questionnaire just to get a quote — only a community committed to caring for one another.
A growing movement
Our community
Behind every shared need is a real family, a real clinician, and a real moment of care. This is what paying it forward looks like.
When a member is hurting, the whole community leans in. That's the promise we make to each other — and the one we'd love for you to be part of.
