How It Works
A relationship, not a transaction
Health cost sharing is simple: members choose a plan with a monthly share, and when someone has an eligible medical need, the community shares the cost, member to member. What makes Cowboy Christian different is everything that happens around that moment.
Join
Sign up in minutes: pick your plan, read our Statement of Beliefs, and set up payment.
Belong
Your $55 per month, per individual membership keeps your account active and unlocks every member resource.
Share
When a fellow member has an approved need, it is shared from members' deposits. You can follow your sharing on your dashboard.
Our Care Model
The LASSO Method™
Most programs show up when the bill arrives. We start long before, and we stay long after.
Step 01 · LearnLearn
We start by knowing you: your household, your goals, and your story, from day one, before anything goes wrong.
Step 02 · AdviseAdvise
Education from a surgeon-led team: talks and written guides on staying well, on what care costs, and on choosing well before a health event, for everyone in the community.
Step 03 · StewardSteward
When a health event comes, we walk beside you: helping you settle fair prices before care, coaching you on the conversation about what you owe afterward, and helping you weigh the cost side of each decision.
Step 04 · ShareShare
Your community shares the approved need from members' deposits, member to member. Each deposit is recorded to its household and used only for sharing approved needs.
Step 05 · OverseeOversee
We stay with you after the event: the cost and sharing questions that follow, and an ongoing relationship.
What You Should Know
Not Insurance
Cowboy Christian is a health cost sharing platform, not an insurance company. Members voluntarily share one another's medical costs based on shared Christian beliefs and values, and sharing is not guaranteed.
Member to Member
Approved needs are shared from members' deposits, member to member. Each deposit is recorded to its household and used only for sharing approved needs, never for Cowboy Christian's fees. Every dollar is traceable.
Eligible Needs
Cowboy Christian is primarily for catastrophic, necessary, and unexpected medical needs. See our Sharing Guidelines for what is eligible.
Secure & Private
Our Privacy Policy explains how we protect member information. We never sell your data, and we never load advertising trackers on member pages.
Ready to get started?
Become part of a surgeon-led health cost sharing platform. Affordable, transparent, and faith-driven.