SnowBrains Podcast #43 | Spot Insurance – US Health Insurance Sucks, Medical Bills Are The #1 Cause of Bankruptcy in America, Spot Can Help

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Spot podcast.
Spot podcast.

Brought to you by Peak Skis & Scarpa Boots

My guest today is Spot Insurance CEO Matt Randall

  • The health insurance system we have in the USA today is broken and medical bills are the #1 cause of bankruptcy in America.  I personally have paid over $24K in the past 7 years for my skiing injuries and treatments.
  • Spot has created an affordable health insurance system designed for the adventurous that pays 100% of your medical deductible.  I know that it sounds too good to be true, so I’ll let you hear from Matt on where Spot is, who they cover, and what the future holds for Spot and America’s messed up health insurance system.

This episode of the SnowBrains Podcast is brought to you by Peak Skis:

Can a ski change your life? Peak’s new all-mountain skis by Bode Miller and sidecountry skis by Chris Davenport just might.

That’s not marketing hype. The all new Peak Ski Company didn’t launch last spring to improve versatility incrementally—the company is built on innovation. Peak Skis take versatility to a new dimension. It begins with KeyHole Technology™, a winning innovation that Bode stumbled upon during his World Cup days that allows for a more manageable ride off trail but more underfoot beef when you want to push the pace. Paired with Peak’s reduced sidecuts, which allow for fluid turns of all shapes without that hooky feel, Peak Skis make skiing more fun. And fun is life changing.

Snowbrainers understand the powder skier’s conundrum: You bring the fat skis to the hill to float and surf in the trees—but on the frontside hardpack the big skis skitter. Meet the Peak 104 with Bode Miller’s KeyHole Technology™. They’re playful, and buoyant, but you can charge groomers on ’em, too. It’s Bode’s daily driver at Big Sky.

The storms are rolling into Tahoe. In Montana, home to Peak Ski Company, new snow and a deep freeze is preserving the early dumps. In Utah, the zealots are hiking for turns at Alta. You know all this, which is why you’re asking yourself: “Are my skis going to get me through another season?” If the answer is no—and the answer is often no—you need to check out the madly versatile Peak 98SC by Chris Davenport. It leaves trenches inbounds, but it’s light and forgiving enough for the backcountry, too.

This episode is brought to you by Scarpa Boots:

Power, precision, and sustainability come together to create the Quattro XT by SCARPA – a perfect boot for hard chargers, looking to ski both in and out of the ski area boundary. The Quattro XT is the lightest, GripWalk ski boot in the hybrid class and with a flex index of 130 for men and 110 for women, performance is not sacrificed with weight savings.  The QUATTRO XT’s cuff and shell are made from renewable plant-based sources that hold up to aggressive skiing, while treading light on the planet.

Creating a ski boot to fit both the needs of one of the world’s most accomplished big mountain skiers and a World Cup ski racing legend is not an easy feat. This year, SCARPA is excited to unveil this miracle boot that Chris Davenport is loving for its uphill comfort and Bode Miller is celebrating for its downhill power.  The all-new, award winning SCARPA Quattro XT has just hit the shelves and as the lightest GripWalk boot in its class, we think it’s a boot that you just have to try to believe.

SCARPA is winning awards again with their new addition to their ski line. The all-new Quattro XT is the lightest Gripwalk boot in the hybrid class. The natural next progression from a company with the longest and best-selling backcountry ski boots on the market the Maestrale RS and Gear RS family.  SCARPA is once again in a class of their own with the Quattro and Maestrale families all made from renewable plate based materials.  With SCARPA you can travel lightly on the planet and on the slopes.

Please enjoy!


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The SnowBrains Podcast Episode #43 – Spot Insurance – US Health Insurance Sucks, Medical Bills Are The #1 Cause of Bankruptcy in America, Spot Can Help

Recorded on September 29, 2022, in the Park City, UT (Miles Clark) and Austin, TX (Matt Randall).

This episode was edited by Jared White

Music by Chad Crouch

Host, producer, and creator = Miles Clark

About The SnowBrains Podcast:

  • Top 12% of all podcasts
  • Interviews the most intelligent people in the snowsports industry and passes their fascinating knowledge to you, our listeners.
  • We explore skiing, snowboarding, snowsports, avalanches, technology, climate, COVID, snow science, medicine, nutrition, fitness, technique, and cutting-edge adventure with our listeners.
  • The SnowBrains Podcast is hosted by professional freeskier, professional mountain guide, UC Berkeley Molecular Cell Biology graduate, and the Founder & CEO of SnowBrains, Miles Clark.
  • The SnowBrains Podcast will be publishing new episodes with riveting guests every week this winter.
  • Please share with your friends and family, and please subscribe.

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2 thoughts on “SnowBrains Podcast #43 | Spot Insurance – US Health Insurance Sucks, Medical Bills Are The #1 Cause of Bankruptcy in America, Spot Can Help

  1. Did you intend to release a in-work version? I get your podcast on pocketcast on android, the Spot episode is 2hr 4min long and it sounds like most of it is your side of the conversation with long gaps..

  2. I came across spot listening to a Blister podcast 2 years ago. Spot had been launched and in their first season they were offering individual policies. I did not do it that year but the following year when I tried to sign up, there was no individual policy. I don’t know the reasons but it was a bummer! The product is a no brainer, people would be crazy not to sign up for this program if it was available.

    It’s a shame you guys spent 70 minutes selling the idea, telling your own stories selling the idea but for anyone sold on the product, (anyone who hears about it) the big question is how to get coverage. Who are the current partners? Are organizations like big ski clubs eligible to become partners? Other than Ikon nothing was mentioned.

    Also, the Spot website is not transparent. I spent an hour signing in and trying to get more information on the website and during a chat with a Spot representitive.

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