Start with the basics
Sharing uses a few simple ideas instead of insurance jargon. Once these click, the rest is easy.
When you have an eligible medical need, you submit a sharing request through your member portal. Our team reviews it against the guidelines, and the community shares the eligible amount with you — no claim forms or denial letters.
A clear, published document that spells out exactly what is eligible for sharing and what is not. Because everyone agrees to the same guidelines, sharing stays fair, transparent, and predictable for the whole community.
A set amount you pay toward each separate medical need before the community shares the rest. Unlike an insurance deductible, the IUA applies per need and does not reset every January — so a healthy year is never wasted.
The member journey
Sharing is a cycle, not a contract. Each member is cared for, and in turn helps care for the next — paying it forward.
Choose the program that fits your household and enroll online in minutes. There is no open-enrollment window and no health questionnaire to get a quote — you can join any time of year.
Get to know the Member Guidelines so you know what is eligible, how the IUA works, and what to expect. Everything is published in plain language, with our team a phone call away.
Your affordable monthly share goes to support fellow members with eligible needs — a fraction of a typical insurance premium, and a direct act of community care.
When a medical need arises, pay your IUA, see the doctor you choose, and submit a sharing request. The community shares the eligible balance, often within days.
With preventive care, telehealth, prescription savings and advocacy included, you stay ahead of problems — and the cycle of paying it forward continues for the next member who needs it.
Pay it forward
When something happens, you see the provider you choose, pay your IUA, and the community shares the rest. No networks to navigate, no surprise denials.
A different model
Both help with medical costs — but sharing is built around people, transparency, and care rather than policies and fine print.
Monthly cost
How costs are paid
Up-front amount
Choosing your doctor
When you can join
How it feels
Pay It Forward Health is not an insurance company and the program is not insurance. It is a voluntary community of members sharing one another's eligible medical costs.
Everyone is welcome
There is no faith requirement, no health questionnaire to get a quote, and no open-enrollment window to wait for. If you believe in caring for your neighbor, you already belong here.
Eligibility can vary by state. Reach out or start enrollment and we'll help you confirm your options.
We've answered the things members ask most — about the IUA, eligible needs, pre-existing conditions, joining mid-year, and more.
Read frequently asked questions