Sidecar Health CEO Patrick Quigley Will Testify Before Texas House Committee on Healthcare Costs

Quigley joins insurance, hospital and physician leaders before the Texas House Select Committee on Healthcare Affordability, formed to help meet the governor's goal of cutting healthcare costs by 20%

AUSTIN, Texas--(BUSINESS WIRE)--Patrick Quigley, co-founder and CEO of Sidecar Health, will testify today before the Texas House Select Committee on Healthcare Affordability, a committee House Speaker Dustin Burrows, R-Lubbock, created this year to help the state meet Governor Abbott's target of lowering healthcare costs in Texas by 20%. The hearing begins at 9 a.m. Central Time at the Capitol and will stream live at house.texas.gov/video-audio.

The committee, chaired by Rep. James Frank, R-Wichita Falls, has spent the year hearing from physicians, insurers, hospital systems, drug pricing companies and direct-contracting advocates on how to bring down costs without cutting access to care.

Quigley was invited to testify given Sidecar Health's experience building a health insurance model designed around price transparency and consumer choice. For any care a member needs, Sidecar Health pays the typical local cost, such that roughly half of providers charge less and half charge more. Members can see any licensed provider, without network restrictions. When they need care, they shop for it, just like they shop for anything else — with an app that shows guaranteed costs for virtually every provider. When members choose care that costs less, they keep half the savings; if they choose a provider who charges more, they pay the difference.

That choice changes behavior: on Sidecar Health, 81% of claims are at or below the Benefit Amount, resulting in the member earning money, and this alignment, that gets people to treat healthcare dollars like their own, brings costs down for companies and employees alike, with total medical costs running 21% lower than traditional network-based plans.

Sidecar Health achieves those savings without limiting what care members can get: requiring no prior authorizations and keeping clinical denials under 1%, compared with double-digit denial rates from legacy insurers.

As part of Texas’ broader push to lower healthcare costs without sacrificing access or quality, the Texas Department of Insurance approved Sidecar Health in January 2026 to sell and administer large employer health plans in the state.

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 — no prior authorizations, no referrals, no networks. Members can visit any provider and pay 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. With fewer than 1% of claims clinically denied, 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.