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Pay It Forward Health
How It Works
How Sharing WorksThe simple, transparent way members share costsMember GuidelinesWhat is eligible for sharingFAQsAnswers to common questionsAbout UsOur mission and community
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Individuals & FamiliesFlexible sharing for your householdCompanies & TeamsA benefit your team can affordDirect Primary CareUnlimited access to your own doctorPlans & PricingCompare programs and monthly sharesMember ServicesTelehealth, Rx savings, advocacy & more
Resources
Blog & StoriesLearn, explore, and read member storiesMember ReviewsWhat our community is sayingMedical AdvocacyWe negotiate bills on your behalfGiving FundSharing beyond the guidelines
Contact
How Sharing WorksMember GuidelinesFAQsAbout Us
Individuals & FamiliesCompanies & TeamsDirect Primary CarePlans & PricingMember Services
Blog & StoriesMember ReviewsMedical AdvocacyGiving Fund
Contact
Member Sign In(800) 555-0100

Healthcare you can actually afford — and a community that has your back.

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Pay It Forward Health

A caring community where members share one another's medical costs — an affordable alternative to traditional health insurance. Welcoming to all, with no networks and no enrollment windows.

(800) 555-0100hello@payitforwardhealth.com

How It Works

  • How Sharing Works
  • Member Guidelines
  • FAQs
  • About Us

Memberships

  • Individuals & Families
  • Companies & Teams
  • Direct Primary Care
  • Plans & Pricing
  • Member Services

Resources

  • Blog & Stories
  • Member Reviews
  • Medical Advocacy
  • Giving Fund
  • For Advisors

Members

  • Member Portal
  • Become a Member
  • Contact Us
  • Privacy Policy
  • Terms of Service

Important Notice: Pay It Forward Health is a health care sharing program — it is NOT insurance. Members voluntarily share one another's eligible medical expenses. Participation is not a contract of insurance and does not guarantee that medical bills will be paid. The program is not subject to state insurance regulation and may not meet ACA / individual-mandate requirements in some states. Please review our Member Guidelines for complete details.

© 2026 Pay It Forward Health. All rights reserved.

A caring community, built on DoubleHelixHub.

Additional Giving Fund

When a need falls outside the guidelines, the community still shows up

The Additional Giving Fund is a voluntary pool of generosity. It lets members come alongside one another for needs the standard sharing guidelines cannot cover — because being welcoming means no one is left to carry the weight alone.

Giving is always voluntary and separate from your monthly share.

Community members helping one another

What it is

A way to give beyond the guidelines

Health-sharing works because of clear, fair guidelines that keep monthly shares affordable for everyone. The Giving Fund is how our community chooses to go a step further — together — for needs those guidelines were never meant to reach.

Generosity, made simple

Some needs do not fit neatly inside the sharing guidelines — yet the people behind them are still our neighbors. The Giving Fund is how the community chooses to help anyway.

Voluntary, never required

Giving is entirely optional and separate from your monthly share. No one is billed for it, and no one is ever turned away for not contributing.

Stewarded with care

Every gift is pooled and distributed thoughtfully, with the same transparency and integrity we bring to ordinary sharing requests.

The Giving Fund is voluntary mutual aid, not insurance and not a guarantee of payment. It is a reflection of a simple belief: that we are stronger when we carry one another's burdens.

A parent holding their young child

Who it helps

For the needs that the rules can’t quite hold

No set of guidelines can anticipate every life. The Giving Fund exists for the moments that fall in the gaps — so a member facing a hard season is met with help, not a closed door.

  • Pre-existing conditions that are not yet eligible for sharing in early membership
  • Long-term or chronic needs that reach beyond standard sharing limits
  • Unexpected hardships during a difficult season for a member or their family
  • Care that falls just outside the published guidelines but still deserves compassion

Not sure whether your situation fits? Reach out anyway. We would rather talk it through with you than have you assume the answer is no.

Requesting support

How to ask for help

If you are a member facing a need that the guidelines cannot cover, here is the simple, human path to requesting help from the Giving Fund.

01

Share your story

Reach out to our member care team and tell us what you are facing. A real person listens — there is no automated wall to get past.

02

We review together

Our team reviews each request with care and discretion, confirming the need and gathering any documentation that helps tell the full picture.

03

The community responds

When a request is approved, a gift is sent from the fund to help carry the cost — quietly, and with dignity for the member receiving it.

Start a Giving Fund request

Ways to give

Pay it forward to a neighbor in need

Every gift, large or small, is pooled and passed on to members the guidelines cannot reach. Here are a few ways our community chooses to give.

Add a gift any month

From your member portal you can include a one-time gift alongside your regular share whenever you feel led to give a little more.

Give from your portal

Give on a recurring basis

Set a small monthly amount to flow into the Giving Fund automatically — a steady act of paying it forward for someone you may never meet.

Give from your portal

Give in honor of someone

Mark a milestone, remember a loved one, or celebrate a recovery by making a gift in their name. Every contribution plants something good.

Give from your portal

A member story

“My daughter's condition started before we joined, so it wasn't eligible for sharing yet. I braced myself to face it alone. Instead, the Giving Fund stepped in — people I'll never meet helped carry us. That is the moment I understood what ‘pay it forward’ really means.”

Rachel T.

Family program member & Giving Fund recipient

Painted hands forming a heart shape together

Generosity is the whole point

You can join Pay It Forward Health at any time, keep the doctors you trust, and become part of a community that welcomes everyone. The Giving Fund is simply that welcome, extended a little further — voluntarily, and with open hands.

Be the reason a neighbor isn’t alone

Give to the Additional Giving Fund, or reach out if you need help. Either way, you are part of a community that pays it forward.