Our Why Is Simple: Affordable Care Should Be Possible for Everyone
Imagine a future where your healthcare experience is as clear and predictable as any other purchase. Before you even receive care, you know exactly what it costs, that you’re in-network, and that you’re receiving care at the best, most affordable hospital. You know if you qualify for financial assistance — and if you don’t, what payment plan options are available to you.
It’s a world where the financial side of healthcare is no longer as stressful as the illness itself, but a transparent, trustworthy, and personalized experience — one where you understand your options, they fit into your budget, and no mysterious bill arrives months later.
At PayZen, that’s the future we’re building toward. We’re transforming healthcare finance into a seamless, data-informed journey — all in the name of affordability. Because we know today’s healthcare system isn’t broken because of the care itself, but because too many people can’t afford to access it. Our AI solutions help close that gap.
Our Why
Behind every headline about healthcare costs are real people making impossible choices. For many patients, an unexpected medical bill means delaying care, skipping medication, or taking on debt they can’t afford.
And the problem is only getting worse. Reductions to Medicaid funding and the expiration of ACA subsidies are pushing millions of Americans into self-pay or underinsured status. At the same time, rising premiums, higher coinsurance, and high-deductible health plans are leaving patients to shoulder more of the cost of care than ever before. The result is clear: access to care has become a financial risk, and managing that burden has turned into a full-time job.
Providers feel that same pressure. Hospitals are carrying historic levels of uncompensated care while operating with limited staff and shrinking margins. They’re being asked to do more with less — to support patients financially, collect payments compassionately, and stay sustainable within a system that wasn’t built for affordability.
Our Mission
Our mission has always been to bring financial health to healthcare — and it has never been more urgent. Our healthcare system is under mounting stress, but it’s the people who really feel it most.
We believe:
Real Change Happens One Person at a Time
Real change doesn’t happen overnight. It starts with one patient, one provider, one community at a time. Every action to make care affordable ripples outward — making patients healthier, strengthening health systems, and supporting the people who make healthcare work.
We are thrilled to be able to offer this option [PayZen Payment Plans] 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.
I needed that pacemaker replacement, but $1,800 was not something I could afford to pay at the time. A nurse in my health system told me about PayZen, and they immediately took care of me to make it affordable. I wouldn’t be sitting here today, having this conversation if it wasn’t for PayZen. I owe my life, and my quality of life, to them.
When we make care affordable for people, we make healthcare — and communities — stronger. That’s the heart of our mission, and the reason we’re proud to reintroduce it today.
Many thanks to everyone who’s on this journey with us.
Frequently Asked Questions
How does PayZen improve affordability?
PayZen is the AI healthcare affordability platform making care accessible for patients and sustainable for health systems. By combining the most comprehensive AI-driven data platform with a patient-first mindset, PayZen delivers personalized payment solutions tailored to each individual—helping patients afford the care they need while improving financial outcomes for providers.
How does PayZen help patients?
PayZen offers personalized pre- and post-service payment plans tailored to each patient’s unique financial situation. Our AI platform analyzes more than 30,000 data points to create a payment plan that fits within a patient’s budget, while our digital-first, state-of-the-art servicing makes it easy for patients to stay on track with payments.
Looking ahead, PayZen is building toward a future where AI prescreens for financial assistance or charity care eligibility and powers a personal concierge service, connecting every patient to the right resources for a seamless, personalized financial experience.
How does PayZen help providers?
PayZen’s fully embedded platform and custom payment options help providers lift collections, reduce bad debt, and streamline patient collections. By offering affordable payment plans, providers empower more patients to access the care they need—driving stronger financial performance and lasting patient trust.