Healthcare sharing the way
it was meant to be
America's first surgeon-led health cost-sharing network. Members share each other's medical needs directly — no insurance companies, no claims departments, no runaround.
Why Cowboy Christian?
We built something different — a health cost-sharing network grounded in faith, led by a surgeon, and designed for transparency.
Surgeon-Led
Founded by Dr. Timothy W. Swain III, MD — a cardiac, thoracic, and vascular surgeon. Real medical expertise guiding your care.
Affordable Plans
Monthly contributions starting at just $65. No deductibles, no co-pays, no hidden fees. Straightforward healthcare sharing.
HIPAA-Compliant
Your health information is protected with bank-level encryption and strict privacy controls. Security is built in, not bolted on.
Faith-Driven
Rooted in Christian values of honesty, integrity, and transparency. Members share each other's burdens — as it should be.
Community First
When you have a medical need, real members contribute directly to help cover your costs. No middlemen. No claims departments.
Radical Transparency
See exactly where contributions go. Track sharing requests in real time. Full visibility into how your community supports one another.
Simple, honest pricing
Three cowboy-themed plans plus a flat $55/month membership fee. Sharing starts at $85/month for individuals under 44.
Bullpen
$2,000 event minimum
$135/mo sharing
Rodeo
$4,000 event minimum
$99/mo sharing
Chaps
$6,000 event minimum
$85/mo sharing
Ready to join a community that cares?
Become part of America's first surgeon-led health cost-sharing network. Affordable, transparent, and faith-driven.