Whether it's just you or a houseful, Pay It Forward Health brings families together to share medical costs — for a fraction of a typical insurance premium. Keep your own doctors, join any time of year, and never face a health need alone.
It's a health care sharing community, not insurance — and that difference is the whole point.
Who it's for
If traditional insurance feels too expensive — or like it just doesn't fit your life — a sharing membership may be exactly what you've been looking for.
What's included
Your membership is more than cost sharing — it's everyday support for you and the people you love, all in one place.
The heart of your membership — eligible doctor visits, hospital stays, surgeries, and major medical needs shared by the community.
Explore servicesAnnual wellness visits and routine screenings to help you and your family stay ahead of problems, included in your share.
Explore servicesTalk to a licensed provider by phone or video, day or night, for everyday concerns — usually at no additional cost.
Explore servicesMeaningful discounts on everyday and specialty medications through our pharmacy savings program.
Explore servicesOptional maternity sharing and family-focused benefits, so growing households are cared for through every season.
Explore servicesOur team reviews and negotiates large bills on your behalf, so you are never facing the system alone.
Explore servicesExample households
Every household is different, so these are illustrations — not a quote. Your actual monthly share depends on the program and options you choose.
One adult member
Example monthly share
A simple, single-member share for one healthy adult.
Two adult members
Example monthly share
Two adults sharing together — partners, spouses, or a parent and adult child.
Two adults + children
Example monthly share
A whole household covered under one membership, children included.
Figures shown are illustrative examples only — not quotes or guaranteed pricing. Visit our plans page for current programs, share levels, and options.
How to join
No agents, no pressure, no open-enrollment window. Joining takes minutes, and you can do it whenever life calls for it.
Compare programs and choose the monthly share level that fits your household and budget. No health questionnaire to get a quote.
Sign up in minutes from any device. There is no open-enrollment window — you can join any time of year, no agents required.
Your membership begins the first of the following month. From there, you are part of a community that shows up when you need it.
Plans & pricing
We offer a handful of straightforward programs with different share levels and Initial Unshareable Amounts, so you can balance your monthly budget with your comfort level. No fine print, no surprise increases mid-year.
Common questions
A few of the things households ask us most. For everything else, our team is just a phone call away.
No. Pay It Forward Health is a health care sharing community, not an insurance company, and the program is not insurance. Members voluntarily share one another's eligible medical costs.
Yes. There are no provider networks and no referrals. You are free to see the doctors and hospitals you already trust.
Any time of year. There is no open-enrollment window — enroll today and your sharing begins the first of next month.
Pre-existing conditions are reviewed fairly, with a clear path to sharing over time. Reach out and we will walk you through the details.
