NEW Healthcare Affordability Report - The Provider Perspective 2026

Happier Patients.
More Revenue. Really.

Our embedded, AI-powered patient financing solutions drive a 30% increase in patient payments, and our patient satisfaction is over 50% higher than the average for other companies in the industry. With PayZen, you really do get the best of both worlds.

PayZen integrated with Epic mobile app

Trusted by hospitals and health systems, of all sizes

Patient Financing Solutions Done Right

PayZen’s AI-powered financing delivers long-term, personalized payment plans aligned with each patient’s ability to repay. Always interest-free. Always fee-free. And unlike traditional patient financing companies, reducing administrative burden for your team. Explore our full guide to patient financing options and models.

A consistent, embedded
digital-first experience

Patients can enroll in under a minute through our fully embedded self-service healthcare payment platform, or you can offer the same affordable financing solutions through your staff experience.

AI-powered intelligent payment
options and advanced servicing
technology

Our underwriting uses AI and 30,000 data points to guarantee relevant offers, resulting in a 78% enrollment success rate. PayZen’s patient financing solutions go live in weeks, not months, with pre-built EHR integrations and automated workflows that reduce administrative burden.

Seamless integration and
end-to-end automation

PayZen leads the way in patient financing solutions with technology that’s implemented in weeks—not months. Our pre-built EMR integrations and automated workflows reduce administrative burdens on healthcare organizations.

Future-proof your business with an
ever-expanding technology platform

While we got our start as a patient financing company, PayZen’s vision is broader than breaking large balances into monthly payments. We are building an integrated, data-driven platform that automates manual processes to holistically address the affordability needs of patients, resulting in an overall revenue increase for providers.

Pre-Service Care Card

Remove financial barriers to receiving great care, increase point-of-service collections, and drive loyalty. PayZen’s Care Card enables flexible patient financing solutions for pre-service and recurring use.

Post-Service Payment Plans
Post-Service Payment Plans

Offer interest-free, personalized payment options based on ability to pay rather than sending accounts to collections.

Balance Sheet Boost

Transition your book of payment plans to PayZen and unlock immediate cash flow while simplifying patient payment management with proven financing solutions.

Financial Assistance Automation

Increase the precision of your upfront presumptive screening and optimize your workflow automation for patient applications.

Coming soon

Annual Study

Healthcare Costs Are Hurting Patients
and Providers

38% of patients put off care due to cost, leading to higher costs and lost revenue for providers.

Discover what 1,000+ patients revealed about the high cost of care and what it means for your bottom line. This free report breaks down the real impact of medical debt, delayed care, and what patients actually want from providers.

What you’ll uncover in the report

Why patients delay care even when it hurts them

How unaffordable care erodes provider revenue

The role of AI-driven financing in patient loyalty

Achieve outsized results with
a platform rooted
in technology

~30%

collection lift

Substantial Lift in Patient Payments

Providers see an average ~30% collection lift after implementing our patient financing solutions

50%

higher satisfaction

Superior Patient Experience

Our patient Net Promoter Score is 50% higher than other patient financing companies

10%

lower cost to collect

Lower Administrative Burden

Ready-built integrations automate manual workflows to free up staff time

We had our doubts early on, especially with so many patient financing options charging fees or underdelivering. But PayZen earned our trust with the Care Card. They provided real value, respected our existing programs, and they were material in helping us reduce bad debt.
Beth Arter
Corporate Director of Patient Access
“PayZen allowed us to set barriers and parameters and to offer more defined and proactive plans. More patients started signing up for payment plans instead of going into bad debt, and the patients are paying well, so it is a win all the way around.”
Karen Dostart
Director of Hospital Patient Billing at Marshall Medical Center
“We are thrilled to be able to offer this option to our patients. They really benefit from the flexibility and the feedback has been tremendous so far. Our partnership with PayZen truly impacts our population health and helps us on our mission of serving as many people as we can.”
Tracie Young
Regional Revenue Cycle Director at Allegiance Health Management
“PayZen’s automation has given us back time and resources that we can direct in other areas, allowing us to focus on other regulatory requirements. It gave us some breathing room.”
Karen Dostart
Director of Hospital Patient Billing at Marshall Medical Center
“We’re no longer burning unnecessary resources tracking down payments. PayZen has helped us align our staff’s efforts with initiatives that support the future of NSMC in our community.”
Rodney Clark
Chief Operating Officer at North Sunflower Medical Center

FAQ

What are patient financing solutions in healthcare?

Patient financing solutions help patients pay medical bills over time through structured, affordable payment plans. PayZen’s AI-powered platform creates personalized, interest-free options tailored to each patient’s ability to pay, improving affordability for patients and delivering stronger financial outcomes for providers.

What makes PayZen different from other patient financing companies?

Most patient financing companies rely on standardized, pre-defined plans. PayZen uses AI and over 30,000 data points to create personalized payment options patients can enroll in within minutes. Seamless EHR integrations, automated servicing, zero IT costs, and a four-week go-live timeline set PayZen apart.

What types of healthcare organizations does PayZen work with?

PayZen serves hospitals and health systems of all sizes, from community hospitals to large IDNs. Pre-built EHR integrations and automated workflows make implementation fast for any organization.

How quickly can providers go live with PayZen’s patient financing solutions?

Most providers go live within four weeks. PayZen requires no IT investment and offers pre-built integrations with Epic, Cerner, and other major EHR systems, with a dedicated implementation team supporting every launch.

Effortlessly integrate PayZen’s patient financing services and technology with your existing systems