For households. For businesses.
ForCommon is better for everyone.

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. 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 roadmap covers five categories that together account for the majority of a household's monthly spending, cell service, auto/home insurance, healthcare, mortgage, and groceries. Cell service and auto/home insurance are launching first; healthcare, mortgage, and groceries are planned future pillars and will be marked clearly until they're active.

Renters benefit from savings in four of five categories: healthcare, cell service, food, and insurance. You may also benefit from group-rate renter's insurance and utility rates. The housing pillar primarily targets mortgage refinancing, but renters can still see meaningful savings across the other four categories, the actual dollar amount depends on your current spending and the deals we secure with partners.

Once our pilot is live, savings will be calculated against your actual prior spending. At enrollment, members provide documentation of current costs (mortgage statement, insurance declarations, cell service bills, grocery spending). The platform tracks the specific dollar difference between what you were paying and what you pay through ForCommon providers. We plan to publish aggregate, independently audited results annually.

Nothing, and that's by design. You're free to cancel anytime with no fees or penalties. If you do, you revert to standard individual pricing. We're confident the savings will exceed the modest membership fee for most households, but you decide whether the math works for yours.

ForCommon groups families together so they can access the same group pricing that large organizations get. Cell service and auto/home insurance are launching first; food, healthcare, and housing are planned future pillars. The more families who join, the better the prices get.

Membership fees, paid by households or by employers, and that's it. Households pay $12/month for 1–2 members, $18/month for 3–4, or $24/month for 5+ (with annual prepay at $120, $180, or $240). Employers who offer ForCommon as a benefit pay $8 per employee per month. We don't take a cut of your savings, and we don't charge our provider partners. That keeps our incentives simple: the more we save you, the longer you stay, and the more households we attract.

Our savings calculator will show you exactly where ForCommon can help and where you're already getting a great deal. Not every member will benefit equally in every category. The membership fee is structured so that savings in any two categories justify the cost. You're never locked into using all five pillars.

ForCommon works with providers who want to offer their best rates to our members. We're always open to new partnerships, and as our membership grows, more companies see the value in joining. If a provider you use isn't yet partnered with ForCommon, you can continue using them, and there's a good chance they'll partner with us as our membership grows.