Do not just take our word for it. Hear from the families, individuals, and small businesses who share medical costs together as part of Pay It Forward Health — and find out why so many of them stay for years.
4.9/5
Average member rating
From 12,000+ members and growing
What members are saying
Honest, unedited reflections from members who have shared a need, saved real money, or simply found a kinder way to handle their healthcare.
Switching to Pay It Forward Health was the best decision we made for our family. We save more than $400 every month, and it genuinely feels like a community that has our back — not a faceless company.
When my son needed surgery, I braced for a fight. Instead the process was clear, our advocate stayed in touch, and the need was shared quickly. I keep telling friends how different this experience was.
As a self-employed designer, traditional insurance was completely out of reach. This gives me real peace of mind at a price I can finally afford, and I got to keep my own doctor.
We loved that there was no open-enrollment window — we joined the week we needed to. Sharing started the first of the next month, and our questions were answered by an actual person every time.
The prescription savings alone nearly cover my monthly share. Add the free telehealth visits and the honest pricing, and it is hard to imagine going back to how things were before.
I needed something I could actually offer my team of six without going broke. The membership made that possible, and my employees keep thanking me for it. That means everything to me.
What surprised me most was the medical advocacy team. They reviewed a hospital bill, caught errors, and negotiated it way down. I never would have known what to ask on my own.
It took me a little while to understand that sharing is not insurance, but the guidelines are written plainly and support walked me through them. Once it clicked, I was sold on the whole idea.
We have been members for five years now, and we have both given and received support in that time. Knowing our share helps another family — and that they would do the same for us — is special.
No networks meant I did not have to leave the clinic I have trusted for a decade. Transparent monthly costs meant no surprise bills. Simple, kind, and exactly what was promised.
The community welcomed us without a single hoop to jump through — no statement of faith, no health quiz just to get a quote. It feels like the way healthcare was always supposed to work.
I have recommended Pay It Forward Health to half my family. Everyone who joins says the same thing: it is refreshing to feel cared for instead of processed. That is rare these days.
Trusted beyond our walls
We encourage members to compare us openly and to share their honest experience wherever they like — including on independent health care sharing review and comparison sites.
Members regularly share their experiences on the major health care sharing review and comparison sites — and consistently rate transparency and support among the reasons they stay.
Every review on this page comes from a current or former member of our community. We never pay for testimonials or edit them to sound rosier than the real experience.
Most of our growth comes the old-fashioned way — one family telling another. The trust members place in us is something we work to re-earn every single month.
Pay It Forward Health is a health care sharing community, not insurance. Reviews reflect individual member experiences and are not a guarantee of any particular outcome.
In their own words
"For the first time, I do not dread opening a medical bill. I know there are real people — a whole community — standing with my family."
— Angela Foster, family member for 4 years
The numbers behind the reviews
