Pre-Launch · Be First to Know — Join Us From the Start

Like-minded people sharing health costs

Q: Is Cowboy Christian insurance?

No. Cowboy Christian is a health cost sharing network, a community of members who voluntarily share each other's eligible medical costs. Membership does not constitute an insurance policy, sharing between members is voluntary, and sharing is not guaranteed. This is not a solicitation of insurance.

Q: How does cost sharing work?

You choose a plan and contribute a monthly sharing amount plus a flat $55/month membership fee. When you have an eligible healthcare event larger than your plan's event minimum, you submit the itemized bill for review. Once accepted, sharing is initiated directly, member to member.

Q: What medical needs are eligible for sharing?

Catastrophic, necessary, and emergent medical needs, with vision and dental care available as selected. Elective cosmetic procedures (unrelated to trauma or cancer) are not currently eligible. Full member guidelines will be published before launch, and wait list members will receive them first.

Q: How much does membership cost?

Every plan pairs a flat $55/month membership fee with a monthly sharing amount that varies by plan, age, and family size, starting at $85/month for individuals under 44. See the full pricing table for your tier. All pricing is subject to final confirmation at enrollment.

Q: Where does my money go?

Sharing moves directly between members. Your contribution goes toward other members' eligible healthcare events, not into an insurance premium pool. Banking services are FDIC insured.

Q: Who can join?

Membership is open to U.S. citizens, as individuals or families. Group enrollment for small businesses, churches, and nonprofits is also planned. Join the wait list and we'll send full eligibility and enrollment details as launch approaches.

Q: What happens after I join the wait list?

You'll get priority access at launch, founding member pricing, and community updates by email. There is no commitment or payment required to join the wait list, and you can unsubscribe anytime.

Q: When does Cowboy Christian launch?

We're in pre-launch and forming our founding member cohort now. Wait list members will be the first to know the launch date and the first invited to enroll.

Cowboy Christian is the first cardiac surgeon-led digital-first platform where we help to solve your major health events and bring a community of like-minded Americans together to pay each other’s healthcare costs guided by God, Freedom, and Free-market principles.

Get notified at launch. No spam, ever.

We respect your privacy. No insurance. No gimmicks. Learn how it works ↓

You're on the list. Welcome to the community.

The Mission

Our Mission at Cowboy Christian is to aid in the transformation of Healthcare in America by bringing like-minded people together to pay each other's health cost and further free market principles between surgeons and our patients. It is this constant downward pressure applied on the maligned health structure of our Country that will allow a resurgence of the original physician patient relationship. Only when the physician patient relationship, highest quality and excellent outcomes is the focus will healthcare change for the better. We here at Cowboy Christian will help provide leadership thru any health event you or your family member may face.

Cowboy Christian is a for-profit technology finance company led by a Board Certified Cardiac and Thoracic Surgeon and a seasoned Technologist. We focus on enabling subscribers by leveraging the latest technology and resources to best serve you in your time of need. As an American Christian focused company, we strive to gather those individuals who believe God is our savior and this great land where we are so blessed to live has provided for our family's great opportunity and a chance to live our American dream.

100%

American-made. American-owned. Built to serve American Christians of our Great Nation.

Free Market

We believe outcomes, service, and finance are better when free market principles are core in every fee-for-service transaction.

How It Works

Simple. Transparent.
Community-Powered.

Cowboy Christian provides a transparent, seamless, and direct, member-to-member cost-sharing community.

1. Subscribe

Choose your membership and start your monthly subscription and sharing. Pick between our 3 cowboy-themed plans as an individual or family.

2. Healthcare Event

Use bespoke resources for health facility suggestions and physician direction. Cowboy Christian resources are available throughout your event. Once an itemized bill is received, submit it for review. Once accepted, sharing is initiated.

3. Leverage Our Resources

Access our surgeon-recommended guidance, self-pay bill negotiation support, and physician and facility vetting services. Have peace of mind throughout the process.

Important: Cowboy Christian is a health cost sharing network, not insurance. It is a community of people who agree to share each other's medical costs, guided by shared values and a commitment to one another. Membership does not constitute an insurance policy. Sharing of costs between members is entirely voluntary and based on community guidelines. Sharing is not guaranteed. This is not a solicitation of insurance.

What's shareable: Catastrophic, necessary, and emergent medical needs. Vision and dental care as selected. Elective cosmetic procedures (unrelated to trauma or cancer) are not currently eligible for sharing.

Why Cowboy Christian

Built Different.
By Design.

We put the physician-patient relationship back at the center of every healthcare decision. We are for-profit by design with a long-term vision for end-to-end care and support.

Join the Wait List →

Surgeon-Led

Founded by a cardiac, thoracic & vascular surgeon with over 20 years experience. Real medical authority guiding every decision.

70–85% Savings

We target dramatic discounts off standard pricing through direct negotiation and trusted cash-pay networks.

Community First

A generous and real community of neighbors helping neighbors.

Full Transparency

Real-time fund health dashboard. Clear pricing. No hidden exclusions. You see exactly where every dollar goes.

FDIC-Insured Banking

Sharing moves directly between members, and banking services are FDIC insured.

Facility Vetting

Access curated physicians and surgical facilities selected for quality outcomes, fiscal responsibility, and patient-first values.

Transparent Pricing

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.
See full pricing by age & family size ↓

Bullpen

$ 135 /mo sharing

+ $55/mo membership · $2,000 event minimum

$250,000 event cap
No lifetime limit
Physician network access
Cowgirl Rider available

Rodeo

$ 99 /mo sharing

+ $55/mo membership · $4,000 event minimum

$250,000 event cap
No lifetime limit
Physician network access
Cowgirl Rider available

Chaps

$ 85 /mo sharing

+ $55/mo membership · $6,000 event minimum

$250,000 event cap
No lifetime limit
Physician network access
Billing advocacy included

Monthly sharing by plan, age & family size

Tier	Bullpen$2,000 min	Rodeo$4,000 min	Chaps$6,000 min
Individual <44	$135	$99	$85
Individual 45–60	$310	$280	$210
Individual 60+	$395	$335	$295
Family 2–4	$450	$385	$315
Family 5–7	$695	$610	$535
Family 8+	$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.

Group plans available. Small businesses, churches, ministries, and nonprofits can enroll their team or congregation under a single group account. Join the wait list for group enrollment details.

$55/month membership fee applies to all plans. Includes access to our Board Certified Cardiac & Thoracic Surgeon for healthcare event guidance and billing advocacy.
Pricing varies by age and family size — see table above. All pricing subject to final confirmation at enrollment. Join the wait list to lock in founding member rates.

Questions

Straight Answers.

The most common questions about how Cowboy Christian works.

Is Cowboy Christian insurance?

No. Cowboy Christian is a health cost sharing network, a community of members who voluntarily share each other's eligible medical costs. Membership does not constitute an insurance policy, sharing between members is voluntary, and sharing is not guaranteed. This is not a solicitation of insurance.

How does cost sharing work?

You choose a plan and contribute a monthly sharing amount plus a flat $55/month membership fee. When you have an eligible healthcare event larger than your plan's event minimum, you submit the itemized bill for review. Once accepted, sharing is initiated directly, member to member.

What medical needs are eligible for sharing?

Catastrophic, necessary, and emergent medical needs, with vision and dental care available as selected. Elective cosmetic procedures (unrelated to trauma or cancer) are not currently eligible. Full member guidelines will be published before launch, and wait list members will receive them first.

How much does membership cost?

Every plan pairs a flat $55/month membership fee with a monthly sharing amount that varies by plan, age, and family size, starting at $85/month for individuals under 44. See the full pricing table for your tier. All pricing is subject to final confirmation at enrollment.

Where does my money go?

Sharing moves directly between members. Your contribution goes toward other members' eligible healthcare events, not into an insurance premium pool. Banking services are FDIC insured.

Who can join?

Membership is open to U.S. citizens, as individuals or families. Group enrollment for small businesses, churches, and nonprofits is also planned. Join the wait list and we'll send full eligibility and enrollment details as launch approaches.

What happens after I join the wait list?