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 sharing amount is a monthly maximum, and in a month with no eligible needs, none is collected. Voluntary sharing, not insurance premiums.
Bullpen
$190/mo
$135 sharing
+ $55 membership
$2,000 event minimum
Rodeo
$154/mo
$99 sharing
+ $55 membership
$4,000 event minimum
Chaps
$140/mo
$85 sharing
+ $55 membership
$6,000 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
- 7-day processing goal
- Physician network access
- Cowgirl Rider available
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Rodeo
$99/mo sharing
+ $55/mo membership · $4,000 event minimum
- 7-day processing goal
- Physician network access
- Cowgirl Rider available
Chaps
$85/mo sharing
+ $55/mo membership · $6,000 event minimum
- 7-day processing goal
- Physician network access
- Billing advocacy included
$55 per month, per individual 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 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.
Surgeon guidance
Direct access to our Board Certified cardiac and thoracic surgeon for healthcare event guidance.
Billing advocacy
We help you negotiate bills with hospitals and clinics.
Any doctor, all 50 states
No networks. Choose your doctor and your facility anywhere in the country.
Real-time tracking
Watch every sharing request move from review to shared, live 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 sharing amounts by age bracket and plan. Each is a monthly maximum, and in a month with no eligible needs, no sharing amount is collected.
| Plan | 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, charged per individual. Prices above are sharing amounts only. Cowgirl Rider (a flat $3,000 per-pregnancy requirement) available on Rodeo & Bullpen plans.
Cowgirl Rider (Maternity Add-On)
Planning for a baby? The Cowgirl Rider is a maternity add-on that makes pregnancy-related medical costs eligible for sharing, available on Bullpen and Rodeo plans.
Bullpen & Rodeo, 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.