Sidecar Health’s model of showing members a guaranteed cost and quality rating for nearly every doctor visit before they book is recognized in the Financial Solutions category

Sidecar Health today announced that it has been named a finalist for the 2026 Fierce Innovation Awards in the Financial Solutions category. The awards honor companies that are transforming and driving improvements in the healthcare industry.

Sidecar Health offers ACA-compliant major medical health insurance without network restrictions or prior authorization. Its model makes healthcare shoppable by giving members clear, guaranteed costs before care, the ability to visit any licensed provider in the country, and an incentive to shop for value. In the Sidecar Health app and on its website, members see an upfront price for nearly every kind of doctor visit, next to a third-party quality rating for each provider.

“Patients have never had a way to easily know what a doctor’s visit costs before they walk in,” said Patrick Quigley, co-founder of Sidecar Health. “We built Sidecar Health to give them that answer for more than 170,000 services, with quality ratings and an incentive to shop for value. Shoppable healthcare will become the standard, and we’re honored to be recognized for building toward it.”

Sidecar Health’s model not only guarantees the cost of care upfront but also gives members an incentive to find high-value care. The model pays the typical local cost for care, called the Benefit Amount. Members who choose a provider that charges less than the Benefit Amount keep half the savings, and members who choose a provider that charges more pay the difference. The guarantee covers office visits and common add-ons like vaccines, blood draws, and urinalysis, at virtually every doctor and therapist in the country. Sidecar Health sets its Benefit Amounts using its own claims data, actuarial data, Medicare benchmarks, pricing collected directly from providers, and public price transparency filings, then adjusts them as new claims come in.

Cost and quality don’t correlate in American healthcare, which means high-quality care is often available for less. Members see Benefit Amounts alongside independent quality ratings from Global Appropriateness Measures (GAM), an organization that grew out of Johns Hopkins, that rates clinicians on clinical appropriateness and outcomes rather than volume.

The results so far:

• Total cost of care for Sidecar Health members runs approximately 20% lower than on legacy network plans.
• Sidecar Health's clinical denial rate is under 1%, compared with 19% for in-network claims in ACA marketplace plans, according to KFF.
• Members visit primary care 11% more often and use the emergency room 45% less, a shift toward earlier treatment rather than deferred care.
• Members fill 75% of prescriptions at lower-cost pharmacies — the same medications, at a lower price.
• In 2025, 91% of care priced at or below the Benefit Amount came from providers rated four or five stars out of five for clinical appropriateness and outcomes by GAM.
• In 2025, 78% of claims left the member with money back or no cost beyond the deductible, and the average family of four earned about $1,000.

Guaranteed costs and quality ratings are available to every Sidecar Health member today. The company covers members in 48 states, at employers ranging from 51-person businesses to companies with more than 100,000 employees across more than 50 industries.

Winners will be announced live at the Fierce Vanguard Awards Gala on November 19 in New York City.

About Sidecar Health

Sidecar Health is a major medical insurance company on a mission to make high-quality healthcare more affordable and accessible for everyone. We lower costs by putting people in control of their health decisions — members see any provider they want, with no referrals or prior authorizations, and we deny fewer than 1% of claims for clinical reasons. Members pay providers directly with the Sidecar Health Visa card, and because they see what their plan covers upfront, they’re motivated to make cost-conscious choices. If they spend less, they keep half of the savings; if they spend more, they pay the difference. This model reshapes behavior, reduces costs, and cuts through the red tape that defines traditional insurance. Sidecar Health puts people — not insurers — at the center of the system. The result: better access, greater transparency, and more empowered consumers.

Learn more at sidecarhealth.com.

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Sidecar Health has been named a finalist for the 2026 Fierce Innovation Awards in the Financial Solutions category. The awards honor companies that are transforming and driving improvements in the healthcare industry.