Know Your Costs Before You Commit
A flat $55/month membership fee plus your sharing tier. Three cowboy-themed plans. Choose the event minimum that fits your life. No hidden fees, no deductibles, no co-pays.
Bullpen
$135/mo sharing
+ $55/mo membership · $2,000 event minimum
- $250,000 event cap
- No lifetime limit
- 7-day processing goal
- Physician network access
- Cowgirl Rider available
Most Popular
Rodeo
$99/mo sharing
+ $55/mo membership · $4,000 event minimum
- $250,000 event cap
- No lifetime limit
- 7-day processing goal
- Physician network access
- Cowgirl Rider available
Chaps
$85/mo sharing
+ $55/mo membership · $6,000 event minimum
- $250,000 event cap
- No lifetime limit
- 7-day processing goal
- Physician network access
- Billing advocacy included
$55/month membership fee applies to all plans. Includes access to our Board Certified Cardiac & Thoracic Surgeon for healthcare event guidance and billing advocacy. Card prices are individual (under 44) sharing amounts; see the full table below for your tier.
Monthly Sharing by Plan, Age & Family Size
Fixed monthly sharing amounts by age bracket and plan. No variable billing — the same amount every month.
| Tier | Bullpen$2,000 min | Rodeo$4,000 min | Chaps$6,000 min |
|---|---|---|---|
| Individual (Under 44) | $135 | $99 | $85 |
| Individual (45–60) | $310 | $280 | $210 |
| Individual (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. Prices above are sharing amounts only. Cowgirl Rider (pregnancy coverage) available on Rodeo & Bullpen plans. Catastrophic Plus (+$500/year) removes the $250,000 event cap.
Cowgirl Rider (Maternity Add-On)
Planning for a baby? The Cowgirl Rider is a maternity add-on that covers pregnancy-related medical costs, available on Bullpen and Rodeo plans.
Bullpen
$1,000
Rodeo
$3,000
Churches, Businesses & Nonprofits
Group plans available. Small businesses, churches, ministries, and nonprofits can enroll their team or congregation under a single group account using the same pricing matrix. Contact us to learn more about group enrollment.
Contact Us About Group PlansReady to join a community that cares?
Become part of America's first surgeon-led health cost-sharing network. Affordable, transparent, and faith-driven.