Ep. 129 - Why We Pay for Health Insurance - Then Avoid Using It | Patrick Quigley

Why is it so difficult to know what healthcare will cost before you receive it?On this episode of Texas Talks, host Brad Swail sits down with Patrick Quigley, CEO and co-founder of Sidecar Health, following his testimony before the Texas House Select Committee on Health Care Affordability.Quigley explains Sidecar Health’s approach to insurance and why he believes greater price and quality transparency, fewer restrictions on where patients receive care, and stronger financial incentives for consumers could help lower healthcare costs.The conversation explores provider networks, prior authorization, prescription drug prices, clinical quality data and the high cost of delayed care. Quigley also explains how Sidecar’s model rewards members for choosing care that costs less than the plan’s benefit amount and discusses the company’s experience with primary care, mental health services and emergency room utilization.Finally, Quigley discusses Texas’ healthcare affordability debate and what he would like lawmakers to consider as the state approaches the 90th Texas Legislature.00:00 — Introducing Patrick Quigley01:05 — Sidecar Health & the Healthcare Affordability Problem04:34 — Testifying Before Texas Lawmakers06:15 — What's Wrong With Provider Networks?07:43 — Why Patients Don't Know What Healthcare Costs10:14 — Measuring the Quality of Medical Care15:58 — Networks, Insurance Companies & Patient Choice17:20 — How Much Should Healthcare Cost?20:10 — The Texas Healthcare Opportunity22:12 — Prior Authorization & Trusting Doctors23:37 — Access to Care & Emergency Room Costs26:33 — Prescription Prices & Consumer Incentives29:26 — Why Healthcare Prices Vary by Location32:11 — What Should Texas Lawmakers Do?35:00 — Closing Thoughts Watch Full-Length Interviews: https://www.youtube.com/@TexasTalks Follow us on social mediaX: @Texas_DispatchInstagram: thetexasdispatchLinkedIn: The Texas DispatchTikTok: texas_talks_podcast Find more at The Texas DispatchYour source for state news, policy, and investigative journalism.https://thetexasdispatch.com