Know Your Costs Before You Commit
A $55 per month, per individual membership fee plus your sharing plan. Three cowboy-themed plans. Choose the event minimum that fits your life. No hidden fees, no surprises.
Estimate your monthly amount
People on your plan
Your age
Membership is $55 per month, per individual. Your first two paid months are your community trust and onboarding period, and in each of them you pay Cowboy Christian an amount equal to your monthly share, which goes to our administration and is not used for sharing. After that, you are asked each month to deposit your monthly share, and each deposit is your choice. Cowboy Christian is not insurance. Sharing is voluntary, and no payment or sharing is guaranteed.
Bullpen
$190/mo
$135 sharing
+ $55 membership
$2,000 event minimum
Rodeo
$154/mo
$99 sharing
+ $55 membership
$5,000 event minimum
Chaps
$140/mo
$85 sharing
+ $55 membership
$10,000 event minimum
Estimates use current published amounts for the people on your plan. Final amounts are confirmed during enrollment.
Join the Wait ListBullpen
$135/mo sharing
+ $55/mo membership · $2,000 event minimum
- Partners & Providers directory
- Homestead Rider available
Most Popular
Rodeo
$99/mo sharing
+ $55/mo membership · $5,000 event minimum
- Partners & Providers directory
Chaps
$85/mo sharing
+ $55/mo membership · $10,000 event minimum
- Partners & Providers directory
- Billing advocacy included
$55 per month, per individual membership fee applies to all plans. Includes guidance from Dr. Swain on the cost-sharing side of a healthcare event, and billing advocacy. Card prices are individual (under 45) sharing amounts; see the full table below for your plan.
Included With Every Membership
The membership is the keys to the ranch
Every plan, every member, no upsells. Here is what the $55 per month, per individual membership unlocks.
Healthcare event guidance
Guidance from Dr. Swain on the cost-sharing side of a healthcare event: what the sharing guidelines say, and what happens next.
Billing advocacy
We help you settle prices before care and coach you on the conversation about what you owe afterward.
Any doctor, all 50 states
No networks. Choose your doctor and your facility anywhere in the country.
Follow your sharing
Follow each of your sharing requests from review to shared on your dashboard.
Member resources
Plain-English terminology guides, events and webinars, and our partners directory.
State-by-state guide
Members-only intelligence on every state's posture and free-market friendly facilities.
A community that prays
Members lift up one another's needs, not just fund them.
Monthly Sharing by Plan, Age & Family Size
Monthly shares by age bracket and plan. Your first two paid months are your community trust and onboarding period: in each of them you pay Cowboy Christian an amount equal to your monthly share, which goes to our administration and is not used for sharing. After your first two paid months, you are asked each month to deposit your monthly share, and each deposit is your choice.
| Plan | Bullpen$2,000 min | Rodeo$5,000 min | Chaps$10,000 min |
|---|---|---|---|
| Individual (Under 45) | $135 | $99 | $85 |
| Individual (45 to 60) | $310 | $280 | $210 |
| Individual (Over 60) | $395 | $335 | $295 |
| Family (2–4 members) | $450 | $385 | $315 |
| Family (5–7 members) | $695 | $610 | $535 |
| Family (8+ members) | $795 | $699 | $625 |
All plans include the additional $55/mo membership fee, charged per individual. Prices above are sharing amounts only. Homestead Rider (a flat $3,000 per-pregnancy requirement) available on the Bullpen plan only. A flat $5 late fee is added to the next monthly payment when a membership fee payment does not go through on its due date.
Homestead Rider (Maternity Add-On)
Planning for a baby? The Homestead Rider is a maternity add-on that makes pregnancy-related medical costs eligible for sharing, available on the Bullpen plan only.
Bullpen plan, flat rate
$3,000
per-pregnancy requirement before sharing begins
Ready to join a community that cares?
Become part of a surgeon-led health cost sharing platform. Affordable, transparent, and faith-driven.