Help your crew get the care they need.
40% of Americans with employer insurance still defer care because they can't afford the deductible.
Whether you're a shop that offers nothing, one that offers medical but not dental or vision, or one with a full plan and an HDHP deductible — Paytient can help your people pay for the healthcare they need, when they need it.
Job shops, fabricators, production floors — anyone with hourly crews and tight margins.
Most manufacturing employers are in one of three coverage situations. Paytient works for all of them.
Why this matters more in a smaller shop than anywhere else.
Employers are making healthcare more affordable with Paytient.
Protecting Your People and Your Production Line
Replacing an hourly worker on the shop floor carries a heavy financial burden when you factor in lost output, overtime backfill, recruiting, and the time it takes to ramp up a new hire. In an industry where everyday turnover is high, losing skilled team members creates a significant, hidden drag on the bottom line before a single day's production is even counted.
Partnering with Paytient is a predictable, affordable investment in your workforce's health and financial dignity. By giving your employees the power to easily access and pay for care over time—without the fear of interest or fees—you build lasting loyalty and keep your lines running smoothly.
If Paytient keeps just one experienced worker from leaving your shop due to the stress of an unexpected medical bill, the program easily pays for itself for years to come.
Manufacturing is growing. You need workers to stay to capture it.
Domestic manufacturing is in a powerful new era of growth. As supply chains come home and production demands surge, the industry is creating opportunities faster than it can find people to fill them. For shops of all sizes, the potential for expansion is massive—but it is entirely dependent on holding onto the workers you already have.
The manufacturers who capture this growth and win new contracts are the ones prioritizing a stable, supported workforce today. By investing in your team’s everyday health and financial dignity, you build the lasting loyalty necessary to keep your lines fully staffed and ready for the future.
Delayed care turns sprains into surgeries.
When everyday care feels unaffordable, minor physical strains can easily turn into major medical events. A worker might feel a tweak on the production line, but out of fear of a high out-of-pocket cost, they try to muscle through it. Too often, that untreated ache escalates into a serious injury, a prolonged absence, and a costly workers' comp claim.
High deductibles force too many employees to choose between their health and their wallets, leading to delayed care. Paytient removes this financial friction, giving your team the peace of mind to see a doctor at the first sign of trouble. By making early intervention accessible, you keep your people healthy, protect everyday productivity, and prevent small issues from snowballing into major absences.
The hidden distraction on the floor.
Financial stress doesn’t stay at home—it clocks in with your team. When employees are overwhelmed by how they are going to pay for unexpected medical expenses, it takes a hidden but heavy toll on their focus and overall well-being.
In a manufacturing environment, that lack of focus translates directly into operational risks. It looks like a missed production quota, an uncharacteristic quality error, or a skilled operator calling out on Monday because the anxiety of a looming medical bill became too much to manage.
Paytient removes this unseen burden. By offering a dignified, flexible way to pay for out-of-pocket care over time, you clear the mental clutter. Giving your people financial peace of mind ensures they can step up to the line fully present, focused, and ready to work safely.
You already offer benefits — and that's exactly why this works.
Paytient meets your team exactly where they are. If you already offer benefits, we pair seamlessly with your current setup to bridge the affordability gap. Whether your workforce is navigating an HDHP or managing out-of-pocket costs alongside an HSA, HRA, or FSA, Paytient acts as a vital financial safety net. You keep your broker, carrier, and renewal cycle, and simply add a flexible way for your people to actually afford their coverage.
If you don't offer major medical, or have hourly operators who don't qualify for your primary plan, Paytient is a powerful standalone benefit. It gives your team a dignified way to pay for everyday needs like urgent care, dental work, and prescriptions over time.
Whether it’s empowering employees to confidently manage their deductibles or serving as a primary pathway to basic care, Paytient provides the financial peace of mind your team needs to stay healthy, focused, and productive on the floor.
Overcoming the burden of healthcare costs.
Healthcare costs continue to climb year over year, putting immense pressure on manufacturing operations and the people who keep them running. As group premiums rise and market safety nets become less reliable, providing comprehensive health benefits is increasingly difficult. To manage these expenses, the industry often has no choice but to shift higher deductibles and out-of-pocket limits directly onto the workforce, leaving employees with coverage that feels impossible to actually afford.
Paytient provides a strategic solution to this industry-wide challenge. By giving your crew a flexible, dignified way to pay for out-of-pocket costs over time, you ensure that having coverage on paper translates to accessible care in practice. This vital financial safety net shields your team from the stress of a volatile healthcare market, maximizing the value of your benefits package while keeping your business competitive and your lines moving.
Setup takes as little as 15 minutes.
You don't need an HR department to run this. You don't need to add another vendor to your ops stack. No dedicated HR function? Most 10–49 employee manufacturers don't have one — benefits decisions are made by owners, operations managers, or accidental HR generalists. Paytient is designed for exactly this environment. Sign up. Upload your roster. Done.
How Paytient works.
Employees use their Paytient card at any healthcare service or store where Visa® is accepted.
Step 1
Employee gets care.
Step 2
Employee swipes Paytient card or taps wallet.
Step 3
Employee chooses a repayment plan to fit their budget.
Paytient is an affordability solution.
It makes it possible for your workforce to pay for healthcare they need but can't pay for right now.
Paytient offers the most impactful thing available at your size and cost structure. It makes it easier for your employees to pay for their healthcare – medical, dental, vision, prescriptions, and veterinary costs.
0%lower 12-month turnover among employees using Paytient.
0%of insured Americans skipped care due to cost last year. Paytient closes that gap.
0%of members used Paytient to access care they had been delaying.
0%report increased workplace productivity.
$0-0kannual turnover drag at a 20-person shop. Paytient costs a fraction of one departure.
☆0/5on TrustPilot w/5k+ reviews.
Flexible payment plans based on your needs.
Buy Online
Essential
Help your employees cover everyday costs for routine and preventative care.
Healthcare purchasing power
$2,000
Cost per employee
$10/mo
Monthly platform fee
$100/mo
Buy Online
Plus
Help your employees cover larger costs for major medical and specialist care.
Healthcare purchasing power
$5,000
Cost per employee
$18/mo
Monthly platform fee
$100/mo
Talk to Sales
Flexible care for the shop floor.
Paytient pricing is straightforward: you pay a monthly fee per eligible employee, and your team gets instant access and can use funds immediately.
Still have questions?
Connect with our sales team.
All Paytient plans come with:
Medical, dental, vision, pharmacy, and veterinary care.
No interest, no fees. Ever.
Flexible repayments.
FAQs
Get answers to common (but key) questions about Paytient.
Is Paytient health insurance?
No. Paytient is an affordability solution that you add on top of your existing benefits. Paytient provides employees with a more flexible way to pay for healthcare over time — always without interest or fees. The Paytient Visa® card lets your employees pay upfront expenses for medical, dental, vision, pharmacy, and vet care. They then choose a payment plan that fits their budget and repay those costs over time at 0% interest through payroll deduction. You keep your current carrier, plan, and broker.
How does Paytient work for a small manufacturer?
You sign up at paytient.com/pricing, upload your employee roster, and we send each person a Paytient Visa® card with up to $5,000 in interest-free purchasing power. They use the card at the time of service. Repayment happens automatically through payroll deduction over the term they choose. Setup takes about 15 minutes. No plan redesign required. Most shops in the 10–49 employee range have employees actively using the card within 5–7 business days of signup.
Will my insurance broker be upset?
No, Paytient is not a competitor to your broker or carrier. We pair with whatever plan they've already designed for you. Many brokers actively recommend Paytient to their manufacturing clients because it makes the underlying plan more usable, which improves renewal retention. If your broker has questions, send them to paytient.com/consultants.
My team is hourly and a lot of them have rough credit. Can they qualify?
Yes. There is no required credit check for the Paytient card. Eligibility is based on employment, not credit history. This is the single most important reason Paytient works for shop crews when other financing options don't.
What can the Paytient card pay for?
Any qualified medical expense your employee owes out of pocket: deductibles, copays, prescriptions, dental work (cleanings, fillings, crowns, braces), vision (exams, glasses, contacts, LASIK), specialist visits, mental health, even veterinary care. The card works with providers that accept Visa®.
What happens if an employee leaves my company before they've finished repaying?
Repayment continues directly between the employee and Paytient — it doesn't become your problem. You're not on the hook for unpaid balances if someone quits or is terminated.
Will this affect my workers' comp loss ratio?
Indirectly, yes — and in your favor. When employees can afford to address musculoskeletal issues early (PT, urgent care, imaging) instead of waiting until something becomes serious, fewer issues end up as comp claims. 78% of Paytient members report using the card to access care they had previously delayed.
We're under 50 employees — do we even need to offer benefits?
Legally, companies under 50 FTEs have no ACA employer mandate to offer health insurance. But "no legal obligation" doesn't mean "no business need." At a 28% annual turnover rate, a 20-person shop loses 5–6 workers a year at $20,000–$35,000 each. The manufacturers who are winning the reshoring contracts and retaining skilled labor are the ones offering benefits that workers can actually use — not just a medical card with a $2,631 deductible. Paytient gives you a competitive retention tool.
Our premiums keep going up. How does this help?
Small-group premiums are projected to rise 11% in 2026, and the small-group market is deteriorating as healthier employers exit for alternative arrangements. Paytient doesn't replace your insurance or lower your premiums. It addresses the downstream problem: employees who have coverage on paper but can't afford to use it because of high deductibles. When care avoidance drops, you see fewer comp claims that snowball, less absenteeism, and better retention — which saves more than the premium increase costs.
Three ways to get started.
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Up to 249 employees. Essential or Plus plan. Live the same day.
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