A Health Cost Sharing Platform
Choose any doctor.
Share the cost.
Cowboy Christian is a community of faith-minded members who choose their own care and share the cost, member to member.
The Platform
Your sharing, in plain sight
Track your membership, submit a sharing request, and watch the community show up. Full visibility, no runaround.
Submit a need
Upload the itemized bill. Your community takes it from there.
Watch it move
Every status change is visible, from review to shared.
Member to member
Approved needs are shared from members' deposits. Each deposit is recorded to its household.
How It Works
Three steps. No fine print maze.
Step 1
Join the community
Become a member, pick your plan, and stand with families who share your values.
Step 2
Choose your care
Any doctor, any facility, all 50 states. No networks deciding for you.
Step 3
Share the cost
When a member has an eligible medical need, the community shares it, member to member.
Simple, honest pricing
Three plans by event minimum. Membership is $55 per month, per individual.
Bullpen
$135 /mo sharing
+ $55/mo membership per individual
$2,000 event minimum
Rodeo
$99 /mo sharing
+ $55/mo membership per individual
$5,000 event minimum
Chaps
$85 /mo sharing
+ $55/mo membership per individual
$10,000 event minimum
Surgeon-led
Founded by Timothy W. Swain III, MD, a cardiac and thoracic surgeon with decades in the operating room.
Faith-driven
Built on Christian values of honesty, stewardship, and bearing one another's burdens.
Radically transparent
See where sharing goes. Cowboy Christian is not insurance, and we never pretend otherwise.
Choose Well, Live Free™
Be first in the community when enrollment opens.