Your health investment,
on your terms.

Onfire offers two types of membership. Ember, our Fixed Plan for financing a specific program, is available today through partner clinics. Flex Plans for an ongoing annual health budget are launching in 2026 — join the waitlist below.

Fixed PlanAvailable TodayOne program. One payment plan.

Finance a specific Onfire Bundle through your provider. Choose Onfire Membership subscription at your practitioner's checkout to apply and subscribe. Your Onfire membership will then be repaid in equal monthly installments over the program term.

EmberFixed Plan
Membership FeeNone
BudgetUp to $30,000
RepaymentMonthly installments, up to 12 months
Onfire PointsNot included

Don't have a provider yet? We can help.

How it worksClinics in our network accept Onfire membership savings plans as a form of payment at checkout. Signing up is simple and quick — just choose Onfire at your practitioner's checkout to apply and subscribe.
No interest. Ever.Ember is not a loan and not a credit card. There is no interest rate, no APR, and no hidden fees. You pay exactly the cost of your program, divided equally over your plan term.
Re-enroll anytimeOnce your program is complete and your plan is repaid, you can start a new Ember plan — or upgrade to a Flex Plan for an ongoing annual health budget.
Flex PlansLaunching 2026Annual health budget

Set your annual spending limit, fund from multiple sources including your HSA or employer, earn Onfire Points on every purchase, and roll over any unused balance at year-end. Three tiers to match every level of health investment.

All Flex Plans include year-end rollover (no cap), HSA and employer funding support, and automatic annual renewal. Membership Fees are billed annually and are non-refundable.
Launching 2026
Spark
For individuals beginning their longevity journey who want flexible monthly budgeting for functional medicine care.
Annual Budget$3,000 – $6,000
Membership Fee$199 / year
Onfire Points1x Points
  • Choose your spending limit within the tier range
  • Fund monthly, quarterly, or annually
  • HSA & employer funding supported
  • Unused balance rolls over or is refunded at year-end
Join the Spark waitlist
Most Popular
Launching 2026
Ignite
For families making serious, ongoing investments in their health — without the constraint of out-of-pocket timing.
Annual Budget$9,000 – $18,000
Membership Fee$499 / year
Onfire Points1.5x Points
  • Everything in Spark
  • Higher limit for multi-service family coverage
  • Personal line of credit access for large purchases
  • 1.5x Points on all eligible purchases
Join the Ignite waitlist
Launching 2026
Bonfire
For those pursuing cutting-edge treatments and maximizing every dollar of their health investment.
Annual Budget$30,000 – $60,000
Membership Fee$999 / year
Onfire Points2x Points
  • Everything in Ignite
  • Access to premium & concierge-tier partner services
  • Employer Onfire Savings Program eligible
  • 2x Points — maximum earning rate
Join the Bonfire waitlist

Not sure which plan is right for you?

Our concierge team will help you choose — and walk you through enrollment in whichever plan fits your health goals and budget.

Talk to Concierge