About Sidecar Health
About
Sidecar Health
We’re working hard to create an insurance solution that, simply put, helps people get the health care they need.
Our story
Sidecar Health was born out of a simple question from a real-life experience: why does the same MRI cost $1,300 with insurance, but only $330 in cash?
In 2018, co-founders Patrick Quigley and Veronica Osetinsky set out to create a better health insurance model with transparent pricing, open access, and stable costs. Their goal: bring common sense back to healthcare by showing prices upfront and letting people shop for care just like they do any other purchase.
We started with an excepted benefits plan that proved people could shop for care, compare prices, and pay providers directly. Though it was a supplemental product, it showed that our model worked and paved the way for something bigger.
In 2021, we took the next step and established our own insurance carrier so we could underwrite new products ourselves. That year, we launched ACA-compliant major medical plans for individuals in Ohio.
As we grew, we phased out the individual insurance offering and shifted our focus to employer-sponsored coverage. Today, we exclusively offer ACA-compliant major medical plans for large employers - both fully insured and administrative services only (ASO) for self-funded employers - giving companies and their employees a more cost-effective benefit that removes surprises, puts members in control, and eliminates barriers to care.
From day one, our mission has been to make quality healthcare affordable and accessible for all. That's the blueprint we're still following today.
Our history
2019
Launched the Access Plan for individuals - a supplemental insurance product that gave members price transparency and control for the first time
2022
Introduced our fully insured major medical large group employer plan in Ohio
2024
Expanded large group employer plan to Florida and ceased selling the Access Plan to focus entirely on employer-sponsored coverage.
2018
Sidecar Health, Inc. is founded
2021
Established Sidecar Health Insurance Company, our Ohio-based carrier and the sole underwriter for all new Sidecar Health plans
Launched our first ACA-compliant off-exchange major medical product for the individual market in Ohio
2023
Expanded the large group employer plan to Georgia
2025
Launched ASO capabilities for self-funded national employers
Cover members in 46 states and partner with employers across 50 industries
2018
Sidecar Health, Inc. is founded
2019
Launched the Access Plan for individuals - a supplemental insurance product that gave members price transparency and control for the first time
2021
Established Sidecar Health Insurance Company, our Ohio-based carrier and the sole underwriter for all new Sidecar Health plans
Launched our first ACA-compliant off-exchange major medical product for the individual market in Ohio
2022
Introduced our fully insured major medical large group employer plan in Ohio
2023
Expanded the large group employer plan to Georgia
2024
Expanded large group employer plan to Florida and ceased selling the Access Plan to focus entirely on employer-sponsored coverage.
2025
Launched ASO capabilities for self-funded national employers
Cover members in 46 states and partner with employers across 50 industries
Our four core values
Affordable
We keep premiums low by paying doctors directly.
Accessible
Goodbye, networks! You can see any licensed health care provider you want.
Transparent
We’ll show exactly what your plan will pay before you see the doctor.
Simple
Our plans work with any doctor, so you don’t have to worry about out-of-network restrictions.
