About Us
The future of cash-pay healthcare.
Onfire Health is changing how people pay for care, so patients can afford it and providers can thrive outside the insurance model.
Why we exist
Healthcare keeps getting more expensive while insurance covers less. More families are on high-deductible plans, and more providers are going cash-pay, from direct primary care to longevity and specialty clinics. Their patients deserve a better way to pay than a credit card or a loan.
What we do
One checkout where patients pay in full, in installments or by subscription, with no consumer debt and no separate approval. Providers sell the way they want, pay less to get paid, and can pull cash forward when they need it.
Who we serve
Cash-pay health providers, and the people who choose them.
Making affordability real.
Read our full story
Our Mission
The American system for paying for preventive care has a dirty secret: there isn't one. What exists instead is debt: buy-now-pay-later schemes, high-interest medical credit cards, deferred-interest traps marketed as "0% financing." The same machinery that sells appliances on credit has been handed the job of making world-class health care accessible. It isn't working. It was never designed to.
Debt doesn't just drain bank accounts. Financial stress is one of the most corrosive forces on human health, compounding the very problem it claims to solve. Sending people deeper into household debt as the price of investing in their own health is a fundamental contradiction. And yet the industry keeps adding more of it, with no one stopping to ask whether debt is even the right model.
There has to be a better way... so we built it. Onfire Health is a membership platform grounded in a simple premise; members save toward their care through a recurring subscription, and partner practitioners receive payment over time for delivering it. No banks. No creditors. No compounding interest. No promotional gimmicks. Just people making a commitment to their health, and practices that get paid to honor it.
What We Do
For Members
We offer flexible membership plans — including our Ember plan — that let you subscribe to a specific health program bundle and spread the cost into equal monthly payments. No interest on balances. No hidden fees.
For Partner Clinics
We partner with vetted functional medicine clinicians, longevity practices, and wellness providers to offer their programs through our platform. Partners get paid from committed member savings — without the overhead of collections or billing complexity.
The Infrastructure
Built on modern financial technology — with identity verification, secure bank account linking via Plaid, and automated payment processing — Onfire Health is purpose-built for the out-of-pocket health economy.
Where We Are
Onfire Health is headquartered in San Francisco, California. We're an early-stage team building at the intersection of health and financial technology, with a focus on making longevity medicine a mainstream part of how people manage their wellbeing.