On top of this it allows users to search and compare local health providers, and pay directly for care through its own payment card, often at a discount to what legacy insurance providers charge. Given that the US has as many as 20 million uninsured adults, Sidecar’s offering allows for better flexibility, more transparency and fewer financial burdens for unnecessary coverage areas.

The company has garnered plenty of praise, and financial backing, for its consumer-centric approach. However, future growth into the mainstream will depend on how well it can expand its nationwide footprint, how effectively it can take on the legacy healthcare providers, and how it can work its way into employer and government-sponsored plans.