How It Works
A relationship, not a transaction
Health cost sharing is simple: each member commits a monthly sharing amount, and when someone has an eligible medical need, the community shares the cost directly, each up to their own amount. What makes Cowboy Christian different is everything that happens around that moment.
Join
Sign up in minutes: pick your plan, accept the 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, your share moves directly to them, up to your plan's monthly sharing amount. You track everything in real time.
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 health profile, your goals, and your story, from day one, before anything goes wrong.
Step 02 · AdviseAdvise
Continuous, preventative guidance from a surgeon-led team that would rather keep you healthy than see you in an operating room.
Step 03 · StewardSteward
When a health event comes, we walk beside you: finding fair prices, negotiating bills, and helping you weigh every decision.
Step 04 · ShareShare
Your community funds the approved need directly, member to member. No pooled funds, no middlemen, full visibility.
Step 05 · OverseeOversee
We stay with you after the event, following your outcome and stewarding the relationship for the long haul.
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.
Direct Member-to-Member
Sharing flows directly from members to members in need. There are no pooled funds sitting in a corporate account. 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
Your health information is encrypted with AES-256, the same standard banks use, in transit and at rest. 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.