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The hydrophobic effect is the solvent-mediated tendency of nonpolar regions to associate in water. Exposing a hydrocarbon region changes how surrounding water molecules can arrange and interact; reducing that exposure can lower the total free energy. Both water and lipids enter the accounting. The effect is not an additional covalent bond between chains. See IUPAC Gold Book: hydrophobic interaction.

At fixed temperature and pressure, compare two candidate organizations by the change in Gibbs free energy, $\Delta G=\Delta H-T\Delta S$, where $H$ is enthalpy, $T$ is absolute temperature, and $S$ is entropy. An organization with lower $G$ is favored in this comparison. Reducing exposed hydrocarbon area is one contribution; changes in chain packing and the entropy of the lipids also matter. This explains why hydrophobicity alone cannot predict every aggregate shape. See 16.4 Free Energy.