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 clinical claims denied, Sidecar Health puts people — not insurers — at the center of the system. The result: better access, greater transparency, and more empowered consumers.