Better prices for families. Better profits for the companies that serve them.

ForCommon brings group pricing to the bills your household already pays. We're starting with cell service and auto/home insurance, where industry benchmarks place group-rate discounts at roughly 15–25% on phone/internet plans and 10–20% on insurance compared to standard individual rates. Healthcare, mortgage, and groceries are planned future pillars. As we add categories, the cumulative effect compounds, group-rate access across most major household expenses can reduce total household spending by an estimated 8–12% once all pillars are active. These figures reflect industry-standard group-rate economics; actual member savings will vary by household and will be published transparently as ForCommon onboards founding members.

ForCommon's pilot launches in 2026, once the founding waitlist reaches the threshold needed to secure group rates. Waitlist members get priority access, the more families who join, the stronger our position to arrange great group pricing with partners from day one.

It depends on who you're with today, we can't say without knowing. If you're already with one of our partners, joining gets you the group rate without switching anything. If you're not, you'll see what our partner's price looks like for that category and decide for yourself. Switching is always optional, never required, the savings only count if they're worth it to you.

You pay your partners directly, the same way you do today, the billing relationship stays between you and them. ForCommon arranges the group rate; we don't sit in the middle of the money. Down the road we'd like to consolidate billing through ForCommon so households see one statement instead of many, but that requires the state-by-state licenses to handle members' money on their behalf, a multi-year regulatory process. For now, the simpler arrangement keeps everything straightforward.

If ForCommon hasn't saved you more than your first-month membership fee within your first 30 days as a member, email support@forcommon.com and we'll refund the fee, no questions asked. The guarantee is a refund commitment, not a savings claim, so the math is simple: if the value isn't there in month one, you don't pay for month one.

The first 1,000 paid members are founding members and get a permanent $10/month rate for life, independent of household size. Once those 1,000 spots are filled, new subscribers move to the household-size tiers (Tier 1: 1–2 members, Tier 2: 3–4, Tier 3: 5+). Founding members keep their rate even as their household grows.