How It Works
Health cost sharing is simple: members contribute a fixed monthly amount, and when someone has a medical need, the community shares the cost directly. No insurance companies. No claims departments. Just people helping people.
Step 1
Join the Community
Sign up in under 5 minutes. Choose a coverage tier that fits your family, accept the Statement of Beliefs, and set up your payment method.
Step 2
Contribute Monthly
Your fixed monthly contribution goes directly toward sharing other members' eligible medical needs. No surprises, no variable billing — the same amount every month.
Step 3
Submit a Need
When you have an eligible medical expense, submit a sharing request with your documentation. Our team reviews it promptly and transparently.
Step 4
Community Shares
Approved requests are funded directly by fellow members' contributions. No insurance company deciding your fate — your community steps up.
Step 5
Receive Support
Funds are disbursed directly to you via secure bank transfer. Track the entire process in real time from your member dashboard.
What You Should Know
Not Insurance
Cowboy Christian is a health cost-sharing network, not an insurance company. Members voluntarily share each other's medical costs based on shared Christian beliefs and values.
Direct Member-to-Member
Contributions flow directly from members to members in need. There are no pooled funds sitting in a corporate account. Every dollar is traceable.
Three Need Categories
Sharing requests fall into three categories: catastrophic, necessary, or emergent. Each tier covers different levels of medical needs. See our Sharing Guidelines for full details.
Secure & Private
Your health information is protected with HIPAA-compliant, bank-level encryption. We never share your personal data without your explicit consent.
Ready to get started?
Become part of America's first surgeon-led health cost-sharing network. Affordable, transparent, and faith-driven.