As Q4 approaches and business owners begin scrutinizing their bottom lines, Tom Quigley returns with timely insights on why health insurance should be at the center of year-end tax strategy.
In this episode, Tom explains how most businesses are making critical mistakes—overpaying for benefits, underutilizing tax breaks, and blindly accepting annual rate increases. Tom reveals how ClaimLinx’s solution not only slashes healthcare costs but also provides strategic tax advantages using Section 105 medical expense reimbursement plans.
Neil and Tom also share a few laughs, diving into Tom’s college days and his thoughts on what accountants and brokers aren’t telling business owners.
❌ Why a "small" 8% premium increase could still mean massive overpayment
💰 How most accountants and brokers miss key tax-saving strategies
🧮 How to do the math: Calculate real savings using your existing carrier’s lowest-cost option
⚖️ Understanding why brokers may not want you to switch plans
📉 How to structure benefits to save employers money and make employees happier
🧾 Using Section 105 tax law to turn healthcare costs into guaranteed tax write-offs
✅ How small businesses can offer better benefits than big corporations
🤐 Why HR reps and brokers may not be showing you the full picture
🔄 The difference between reactive and proactive health insurance planning
“If you're already overpaying 50% and your rates go up another 8%… that's not a win.” — Tom Quigley
“You're running with thieves. You don’t have to be one—but you better know how they think.” — Tom Quigley
“Why would a broker help you save $250,000 if it means they lose $20,000 in commissions?” — Tom Quigley
“Using your calculator—yes, the one on your phone—you can figure out that you’re losing money.” — Tom Quigley
Business owners reviewing benefits during tax season
CFOs and finance leads preparing for Q4 planning
HR professionals evaluating insurance renewal options
CPAs and advisors seeking to offer clients more tax-saving strategies
Anyone frustrated with increasing premiums and poor benefit value
Want to slash premiums and improve your benefits before year-end?
👉 Go to www.claimlinx.com to schedule your consultation with Tom and his team.
#HealthInsurance #TaxPlanning #Section105 #Q4Planning #SmallBusinessTax #EmployeeBenefits #CuttingEdgeBenefits #ClaimLinx #CostSavings #MedicalExpenseReimbursement #HealthcareStrategy
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