After breaking news about skyrocketing 2026 health insurance premiums, this follow-up episode dives into the solution—how ClaimLinx simplifies the chaos of employee healthcare for small and mid-sized businesses.
Host Tom Quigley pulls back the curtain on an industry designed to confuse, where most employers think “the more you pay, the better the plan.” In reality, the opposite is true. Tom explains that health benefits are a math problem—and ClaimLinx knows how to solve it every time.
By combining transparency, logic, and math-based planning, ClaimLinx helps business owners move from frustration and confusion to complete clarity—saving hundreds of thousands in premiums while giving employees better coverage.
Why Employee Healthcare Is So Confusing
The insurance industry thrives on complexity—deductibles, copays, and coinsurance are intentionally designed to confuse.
“You’ve got a $3,000 deductible, but the hospital bills you $6,000. No one understands why,” Tom says.
Agents and carriers benefit from the confusion—it keeps employers dependent on them.
The Biggest Misconception in Benefits
Most companies believe higher premiums mean better coverage.
Tom flips that on its head: “The less you pay, the better the benefits—because you can do it smarter yourself.”
By restructuring plans and leveraging tax law, ClaimLinx regularly reduces premiums by 40–70%.
The ClaimLinx Approach: Simple Math, Proven Results
“We’re under the premise that two plus two really does equal four,” Tom says.
ClaimLinx treats benefits as a math equation, not a guessing game.
Example: converting a $5,000 deductible plan into a zero-deductible, copay-based plan that saves employers money and boosts employee satisfaction.
“If you write down the numbers, I win every time,” Tom jokes.
How ClaimLinx Consulting Simplifies Everything
The process is straightforward: analyze, restructure, and educate.
ClaimLinx handles all plan setup and ongoing support, while showing employers exactly how and whythey’re saving money.
Every client receives access to a claims portal and is paired with a dedicated service rep and licensed agent for year-round support.
“If they use us as their advocate, they’ll be very happy,” Tom explains.
Proven Success in Action
On the day of recording, Tom reports four new companies signing with ClaimLinx—representing over $1.8 million in savings.
Clients find him through TV appearances, email outreach, and referrals.
“They’re starting to realize I’m not just talking about saving money—I’m proving it,” Tom says.
Media and Awareness
Neil points out that Tom’s expertise deserves a national stage: “You should be on Fox, CNN, MSNBC—everywhere.”
Tom laughs it off: “They don’t want answers. They want everyone mad at everyone.”
Neil adds: “Then we’ll take it to Newsmax—my media giant’s got you covered.”
Stop overpaying for confusion. Simpler plans = smarter savings.
Rethink “value.” Premium cost does not equal quality of care.
Treat benefits like a math problem. With the right formula, your company can win every time.
Leverage expert advocacy. Let ClaimLinx handle the complexity so you can focus on running your business.
“The more you pay, the worse your benefits are. The less you pay, the better they get—if you do it right.” — Tom Quigley
“We’re under the premise that two plus two really does equal four. It’s math, not magic.” — Tom Quigley
“If you write down the numbers, I win every time. I never lose.” — Tom Quigley
“Confusion is profitable for them. Clarity is profitable for you.” — Tom Quigley
“They don’t want answers—they want outrage. I want solutions.” — Tom Quigley
👉 Website: www.ClaimLinx.com
📞 Schedule a Call: Talk to Tom Quigley and his team today to simplify your company’s health benefits and start saving immediately.
The Cutting Edge Benefits Podcast delivers straight talk, real math, and zero fluff about fixing America’s broken employee benefits system.
Simulcast weekly on The Neil Haley Show, reaching over 150 stations and 5 million listeners nationwide.