Pre-Launch  ·  Be First to Know — Join Us From the Start

Choose any doctor, Share the cost.

A HEALTH COST SHARING PLATFORM

When a member faces a major medical bill, a community of like-minded Americans comes together to share the cost, directly, member to member. Everything happens on the platform. Led by a cardiac, thoracic, and vascular surgeon with more than 20 years treating the events behind bills like these. Guided by Faith, Freedom, and Free-market principles.

Get notified at launch. No spam, ever.

We respect your privacy. No insurance. No gimmicks.   Learn how it works ↓

50-State
Nationwide Availability
50–90%
Cheaper Than Insurance
No Networks
Choose Your Care
Transparent Pricing

Know Your Costs
Before You Commit.

A flat $55/month membership fee per individual, plus your sharing tier. Three cowboy-themed plans. Choose the event minimum that fits your life.
See full pricing by age & family size ↓

Bullpen
$ 135 /mo sharing

+ $55/mo membership per person  ·  $2,000 event minimum

  • $250,000 event cap
  • Full Cowboy Christian Resource Available
  • Physician network access
  • Cowgirl Rider available
Rodeo
$ 99 /mo sharing

+ $55/mo membership per person  ·  $4,000 event minimum

  • $250,000 event cap
  • Full Cowboy Christian Resource Available
  • Physician network access
  • Cowgirl Rider available
Chaps
$ 85 /mo sharing

+ $55/mo membership per person  ·  $6,000 event minimum

  • $250,000 event cap
  • Full Cowboy Christian Resource Available
  • Physician network access
  • Billing advocacy included

Monthly sharing by plan, age & family size

Tier Bullpen$2,000 min Rodeo$4,000 min Chaps$6,000 min
Individual <44 $135$99$85
Individual 45–60 $310$280$210
Individual 60+ $395$335$295
Family 2–4 $450$385$315
Family 5–7 $695$610$535
Family 8+ $795$699$625

All plans include the additional $55/mo membership fee, charged per individual. Prices above are sharing amounts only. Cowgirl Rider (pregnancy sharing) available on Rodeo & Bullpen plans. Catastrophic Plus (+$500/year) removes the $250,000 event cap.

Group plans available. Small businesses, churches, ministries, and nonprofits can enroll their team or congregation under a single group account. Join the wait list for group enrollment details.

$55/month membership fee applies to all plans, per individual. Includes access to our Board Certified Cardiac & Thoracic Surgeon for healthcare event guidance and billing advocacy.
Pricing varies by age and family size — see table above. All pricing subject to final confirmation at enrollment. Join the wait list to lock in founding member rates.
How It Works

Simple. Transparent.
Community-Powered.

Cowboy Christian provides a transparent, seamless, and direct, member-to-member cost-sharing community.

1. Subscribe

Choose your membership and start your monthly subscription and sharing. Pick between our 3 cowboy-themed plans as an individual or family.

2. Healthcare Event

Use Cowboy Christian resources to help decide on a healthcare facility and physician direction. We are here to help steer you in the right direction for the best outcome.

3. Request an Itemized Invoice

Negotiate once the bill is received. We offer our many years of experience in healthcare and surgery. We are available to answer your questions regarding your event and what to expect. We side with our subscribers and will look out for you, not the healthcare facility. We want your outcome to be the best and we will do everything that we can to make that happen.

Important: Cowboy Christian is a health cost sharing network, not insurance. It is a community of people who agree to share each other's medical costs, guided by shared values and a commitment to one another. Membership does not constitute an insurance policy. Sharing of costs between members is entirely voluntary and based on community guidelines. Sharing is not guaranteed. This is not a solicitation of insurance.

What's shareable: Catastrophic, necessary, and emergent medical needs. Vision and dental care as selected. Elective cosmetic procedures (unrelated to trauma or cancer) are not currently eligible for sharing.
Questions

Straight Answers.

The most common questions about how Cowboy Christian works.

Is Cowboy Christian insurance?
No. Cowboy Christian is a health cost sharing network, a community of members who voluntarily share each other's eligible medical costs. Membership does not constitute an insurance policy, sharing between members is voluntary, and sharing is not guaranteed. This is not a solicitation of insurance.
How does cost sharing work?
You choose a plan and contribute a monthly sharing amount plus a flat $55/month membership fee per individual. When you have an eligible healthcare event larger than your plan's event minimum, you submit the itemized bill for review. Once accepted, sharing is initiated directly, member to member.
What medical needs are eligible for sharing?
Catastrophic, necessary, and emergent medical needs, with vision and dental care available as selected. Elective cosmetic procedures (unrelated to trauma or cancer) are not currently eligible. See our Member Guidelines for the full details.
How much does membership cost?
Every plan pairs a flat $55/month membership fee, charged per individual, with a monthly sharing amount that varies by plan, age, and family size, starting at $85/month for individuals under 44. See the full pricing table for your tier. All pricing is subject to final confirmation at enrollment.
Where does my money go?
Sharing moves directly between members. Your contribution goes toward other members' eligible healthcare events, not into an insurance premium pool. Banking services are FDIC insured.
Who can join?
Membership is open to U.S. citizens, as individuals or families. Group enrollment for small businesses, churches, and nonprofits is also planned. Join the wait list and we'll send full eligibility and enrollment details as launch approaches.
What happens after I join the wait list?
You'll get priority access at launch, founding member pricing, and community updates by email. There is no commitment or payment required to join the wait list, and you can unsubscribe anytime.
When does Cowboy Christian launch?
We're in pre-launch and forming our founding member cohort now. Wait list members will be the first to know the launch date and the first invited to enroll.
Why Cowboy Christian

Built Different.
By Design.

We put the physician-patient relationship back at the center of every healthcare decision. We are for-profit by design with a long-term vision for end-to-end care and support.

Join the Wait List →

Surgeon-Led

Board Certified Cardiac & Thoracic Surgeon with over 20 years of experience in practice. Real medical authority guides every decision. Having a cardiac surgeon in your corner helps ensure you receive proper timely treatment.

50–90% Savings

Because our subscribers are self-pay, our negotiation goal is 50–90% off the final invoice.

Community First

A generous and real community of neighbors helping neighbors.

Full Transparency

Real-time fund health dashboard. Clear pricing. No hidden exclusions. You see exactly where every dollar goes.

FDIC-Insured Banking

Sharing is member to member with no pooling of money. Administration receives the subscription fee and the first two sharing amounts to validate the subscribers' timely commitment and ensure reliable funds before agreeing to the sharing process.

Facility Vetting

Access curated physicians and surgical facilities selected for quality outcomes, fiscal responsibility, and patient-first values.

Our Method

Rein In Your Healthcare
With the LASSO Method™

A clear, guided relationship that begins before anything goes wrong and stays with you through prevention, care, sharing, and recovery. Five steps, one team in your corner.

A physician getting to know a patient and their health history Step 01 · Learn

We get to know you

Before anything goes wrong, we build a clear picture of your health profile, lifestyle, and risk factors. Knowing you first is how we help you stay well and act early.

A doctor advising a patient on preventative care Step 02 · Advise

We advise you continuously

We educate throughout the relationship: preventative choices, cost awareness, elective-first thinking, and healthy living. Good decisions made early keep you well and prevent bigger costs later.

A care team supporting a patient through a health event Step 03 · Steward

We steward you through a health event

When a health event arises, we walk alongside you with provider selection, care navigation, and cost transparency. You never face the system alone.

A small group of people embracing outdoors, supporting one another Step 04 · Share

The community shares in your need

When a need is authorized, the community shows up. Funding flows member to member until the need is met.

A family together outdoors, healthy and at ease Step 05 · Oversee

We oversee the whole journey

We stay with you after the event: care outcome, recovery, and an ongoing relationship. This is a partnership for the long run, not a one-time transaction.

Member Benefits

More Than Cost Sharing.

Membership is built to serve the whole of your life: your money, your care, your voice, and your freedom. Here is what stands behind you.

Planning healthcare savings at a desk
Smart Money

Make every healthcare dollar work harder

Pair your membership with proven money principles, like funding an HSA, so you can cover care and build for the future at the same time.

Predictable, upfront billing

Know your costs before care, not weeks after in a confusing statement. Clarity you can plan around.

Dedicated billing advocates

Trained advocates work to lower self-pay bills on your behalf, so you are never negotiating alone.

Every dollar serves a need

Your sharing goes straight to a neighbor's eligible need, not into a premium pool. Giving is built into the way you pay.

View from an airplane window above the clouds
Care Without Borders

Care that travels with you

Get treatment where it makes sense for you, across the country or around the world. Built for families overseas and members on the move.

Regain your health

Care focused on helping you get well and stay well, not just on processing a claim and moving on.

Quality, vetted facilities

Access physicians and surgical centers chosen for strong outcomes and fair, transparent pricing.

Save time

Spend less time fighting bills and more time living. We handle the back and forth for you.

Hands joined together, symbolizing community
Be Part of It

Something new in healthcare

You are not buying a policy. You are joining a community of like-minded Americans reshaping how we pay for care.

Be heard, tell your story

Your experience matters. Members will be able to share their stories and help shape the community.

Share your story →

Stay informed

Get clear, current healthcare intelligence, so you always know your options and your rights.

A real community

Neighbors helping neighbors, guided by shared values and a commitment to one another.

A family enjoying time together outdoors
Live Free

Healthcare on your terms

Faith, personal choice, and free-market care, so your family can live free of the old system's red tape.

Know where your state stands

See how friendly your state is to health cost sharing, backed by real laws and primary sources.

Open the state guide →

Care without borders

Choose where and how you get treated, at home or abroad, with no network walls boxing you in.

No hidden exclusions

Clear guidelines and a transparent fund, so you always see where your dollars go.

Member Education

The FREE™
Framework

Four pillars every member learns to live by.

Freedom of Provider

Choose the doctors and facilities you trust, with no network walls.

An open ranch gate at sunrise, the range beyond it wide open

Real Upfront Costs

See real prices before care, so you can plan ahead with fewer surprises.

Two people shaking hands over a wheat field, a deal made plainly

Elective-First Mindset

Plan care ahead when possible, where quality leads and prices are fair.

A morning coffee resting on an open monthly planner, care planned ahead

Educated and Empowered

Learn how healthcare really works, so every decision stays yours.

A grandfather and grandchildren learning together in a warm kitchen
Rethink Healthcare

Rethink What
Healthcare Costs You.

The numbers most people never see tell a different story. Once you see them, you see the freedom you already have.

100M+
Americans carry health care debt
$220B+
Owed in medical debt nationwide
5×
Price gap for the same procedure
81%
Less on one real cash-pay bill

Sources: KFF analysis of U.S. medical debt (2024); KFF Health News, "100 Million People in America Are Saddled With Health Care Debt"; published price-transparency data showing the same procedure can vary several times over between facilities, with cash rates often far below billed charges.

Challenge the story you were told.

Hover or tap each card to see it a new way.

The Myth

A medical bill is a fixed price.

Hover or tap →
The Reframe

Most bills are negotiable. The same procedure can cost wildly different amounts, and cash-pay patients often pay a fraction of the billed charge.

The Myth

More coverage means more security.

Hover or tap →
The Reframe

Security comes from transparency and a community that shows up, not from a policy you cannot read or a network you cannot leave.

The Myth

You have no say in what care costs.

Hover or tap →
The Reframe

When you can see prices and choose where to go, you hold the leverage. That is the free market working for you.

The Myth

Healthcare has to drain your savings.

Hover or tap →
The Reframe

Pair predictable sharing with an HSA and you can fund care and your future at the same time, on your own terms.

Member Resources

Tools That Put You in Control.

Real resources that help you decide with confidence and be part of the story.

Map of the United States with each state shaded by how friendly it is to health cost sharing
State-Friendliness Map

Know where your state stands

Our interactive guide rates all 50 states on how friendly they are to health cost sharing, built on real laws, regulations, and court cases, never opinions. See your state and the leading facilities near you.

Members-only resource, unlocked at launch Join to Unlock →
People standing together as a community
Tell Your Story

Your story could change a mind

Every family that takes back control of their healthcare makes the path clearer for the next one. Story submissions open at launch, and wait list members will be the first invited to share.

Join the Wait List →

Story submissions open at launch.