Revenue cycle · Employer-sponsored health payment benefit
Paytient
Paytient is a health payments company in Columbia, Missouri, that gives employees and health plan members an interest-free card for medical, dental, vision, and prescription costs, paid for by their employer or insurer.
Strong fit
- Employers that want to help staff with deductibles and out-of-pocket costs
- Health plans and insurers adding a payment option for members
- Members who want to spread medical bills over time without interest
Weak fit
- Providers looking for their own patient billing or financing tool
- People whose employer or plan does not offer it
- Employers that need a fixed per-person price before talking to sales
Bottom line
Paytient gives employees and plan members an interest-free card for health costs, and their employer or insurer pays for it. It has grown through deals with large insurers and benefits companies and in 2026 added prescription savings through GoodRx and Mark Cuban Cost Plus Drugs. Members say it makes bills easier to budget, and the complaints that show up are about signing up and logging in.
Score breakdown
Weights: Outcomes 35% · Product 30% · Implementation 20% · Pricing clarity 15%.
Paytient's buyers are employers, health plans, and insurers, and its users are their employees and members. A member gets a card to pay for care, prescriptions, and other health costs, then repays the balance over time with no interest. The employer pays a monthly subscription, according to a Paytient blog post. As of June 2025, Paytient served more than 23 million members and nearly 7,000 employers, insurers, and providers, and it powered 40% of the Medicare Part D marketplace for the Medicare Prescription Payment Plan, according to a funding announcement.
Pricing is by quote. Among companies we review, PayZen, AblePay Health, and PatientPay sell patient financing and payment plans to providers, and Cedar sells patient billing software to hospitals. Paytient differs in that the employer or plan offers it as a benefit, so the member can use it with any provider.
Brian Whorley founded Paytient in 2018 with Daniel Lynn, who is chief technology officer, after more than a decade at Boone Hospital Center. Paytient has contracts with all of the Fortune 100 health insurers, Whorley said in an April 2026 interview, and its health plan partners include Anthem, Optum, Centene, Elevance, and Cigna, according to the company. In June 2025 it raised $40 million from Trinity Capital, and it has partnered with HealthEquity. Paytient has an estimated $20 million in annual revenue.
Members have used Paytient for more than $2 billion in purchasing power and more than $500 million of out-of-pocket spending, according to a July 2026 announcement. Dr. Trent Haywood is its chief outcomes officer.
What members say
What people like
"This card allows for medical deductibles and bills to be paid over time, making budgeting much more manageable." App Store
"I am now able to pay for meds or appointments when otherwise I didn't have enough money." App Store
What people don't like
"It won't let me sign up or sign in" App Store
Competitor landscape
| Vendor | Overall | Ease of implementation |
|---|---|---|
| Cedar | 7.9 | 7.4 |
| PayZen | 7.6 | 7.5 |
| Paytient | 7.3 | 7.4 |
| AblePay Health | 7.2 | 7.2 |
| PatientPay | 7.0 | 7.0 |
Pricing
| Item | Detail |
|---|---|
| Model | Employers or health plans pay a monthly subscription. Members pay no interest on balances. |
| What usually drives cost | The number of employees or members covered and which features a plan adds, such as prescription savings. |
| What to ask before you buy | Ask Paytient how the monthly fee is set, how repayment works for members, and what reporting the employer receives. |
Leadership
Brian WhorleyFounder and Chief Executive Officer- Daniel LynnChief Technology Officer
- Joe GablerChief Operating Officer
- Paul SveenChief Financial Officer
Recent news
- July 2026: Paytient added prescription benefits through partnerships with GoodRx and Mark Cuban Cost Plus Drugs, so employers can offer members lower drug prices alongside the Paytient card. Paytient
Methodology
| Weight | Factor | What it measures |
|---|---|---|
| 35% | Customer outcomes | Whether buyers get measurable operational or clinical-workflow results after go-live |
| 30% | Product | Capability depth, reliability, and fit for the job the category buys |
| 20% | Implementation | How hard it is to stand up, integrate, train, and stabilize |
| 15% | Pricing clarity | Whether a buyer can model total cost without a mystery quote |
| Label | Meaning |
|---|---|
| Highly recommend | Strong outcomes and product with manageable caveats |
| Recommend | Solid fit for the right buyer; know the tradeoffs |
| Conditional | Only with a specific use case or heavy caveats |
| Not recommended | Avoid for most buyers in this category |
Read our full methodology for how we weight scores and assign recommend labels.