Cutting-Edge Benefits Podcast

In this episode of the Cutting Edge Benefits Podcast , Tom Quigley shares a behind-the-scenes look at what’s happening inside ClaimLinx—from leadership changes to recent webinars and growing demand for alternative healthcare strategies. This conversation shifts from theory to real-world execution , highlighting what it actually takes for companies to implement cost-saving healthcare strategies—and...

Artificial Intelligence is transforming industries across the board—but what about healthcare? In this episode of the Cutting Edge Benefits Podcast , Tom Quigley dives into one of the biggest emerging questions in the industry: Will AI actually reduce healthcare costs… or just make the system more profitable for insurers and hospitals? From billing automation to claim denials and drug pricing stra...

Telehealth was supposed to be the game changer. More access. Lower costs. Fewer ER visits. But years after its widespread adoption, one question remains: Why didn’t telehealth actually reduce healthcare costs? In this episode, Tom Quigley of ClaimLinx breaks down the reality behind telehealth—why it became a valuable convenience tool, but ultimately failed to deliver the cost savings employers and...

In this eye-opening episode, healthcare strategist Tom Quigley explains why small and mid-sized employers often pay significantly higher margins than large corporations — and why it doesn’t have to be that way. For decades, business owners have been told that rising healthcare costs are simply unavoidable. But according to Tom, that belief is driven by emotion, outdated purchasing strategies, and...

In this episode, Tom tackles a headline that sparked outrage: “New healthcare plans could slap families with $31,000 deductibles.” Sounds terrifying. But Tom breaks it down with one simple question: Are we reacting to the word  deductible … Or are we ignoring the math? This conversation dives into how high deductibles, tax strategy, employer savings, and individual behavior all intersect — and why...

n this episode of The Cutting Edge Benefits Podcast simulcast on The Neil Haley Show , Tom Quigley pulls back the curtain on one of the most uncomfortable truths in employer healthcare: Your health plan is a profit center. Just not for you. Employers think they’re buying protection. Employees think they’re buying coverage. But Tom argues the reality is this: the system is built to generate layered...

In this high-energy simulcast of The Neil Haley Show and The Cutting Edge Benefits Podcast , Tom Quigley of ClaimLinx delivers a blunt, no-nonsense breakdown of one of the biggest myths in employer healthcare: Wellness programs do NOT lower health insurance costs. Free gym memberships. Step challenges. Smoothie emails. Incentive bonuses. Meanwhile? Claims trend 8–12% annually. Tom explains why wel...

In this episode, Tom Quigley tackles a growing but rarely discussed issue in healthcare: private equity firms buying up medical practices and hospitals — and what that means for employers and their health plans. This isn’t a political conversation. It’s a financial one. Tom breaks down how private equity ownership changes incentives, why emergency room visits feel more expensive than ever, and how...

In this episode, Tom Quigley addresses a disturbing trend gaining momentum in 2026: hospitals suing patients over unpaid medical bills . For years, unpaid balances were quietly handed to collections. Now, with higher deductibles, more uninsured individuals, and increased out-of-pocket exposure, hospitals and collection agencies are becoming more aggressive — even taking patients to court. Tom conn...

This episode is a practical walkthrough of what actually happens when a business owner contacts ClaimLinx—and how that process is fundamentally different from the traditional “broker renewal roulette.” Anthony McMahon breaks down the exact step-by-step process ClaimLinx uses to reduce healthcare costs 30–50%, while improving benefits and employee understanding. The contrast is stark: analysis and...

This episode zooms in on what many employers are discovering the hard way in early 2026: the end of enhanced ACA subsidies didn’t just hit individuals—it detonated group health plans too . Tom Quigley sits down with ClaimLinx consultant Anthony McMahon to break down what they’re seeing across the country: 15–20% average group renewals, 40–60% increases becoming common, and extreme cases hitting 10...

This short but important episode serves as a state-of-the-union update for ClaimLinx in 2026 . After weeks of deep-dive education on ACA enrollment, HSAs, FSAs, ICHRAs, MEC plans, COBRA, and subsidy changes, Tom Quigley steps back to share what’s new at ClaimLinx , what the real data is telling them , and why more employers are finally realizing they’ve been making decisions based on fear instead...

This episode goes beyond healthcare mechanics and dives into the human and organizational forces that block smart decisions —even when six- and seven-figure savings are sitting on the table. Tom Quigley is joined by longtime collaborator Tiger Aiken , a veteran financial and life insurance strategist, to unpack why business owners often know there’s a better way… yet still don’t act. The conversat...

This episode is the continuation and conclusion of the live Healthcare.gov walkthrough , and it drives home one unavoidable truth: Buying health insurance is not hard because you’re dumb — it’s hard because the system is poorly designed and unforgiving. In Part 2 , Tom Quigley continues navigating the ACA marketplace in real time, intentionally triggering common mistakes, correcting them, and show...

This episode is pure hands-on education . Instead of talking about the Affordable Care Act, Tom Quigley literally walks listeners through Healthcare.gov in real time , using himself as the guinea pig. No theory. No politics. Just the actual screens, questions, mistakes, fixes, and traps people run into when trying to buy health insurance on their own. Tom shows why people get overwhelmed, why the...

This episode tackles one of the most misunderstood—and financially painful—moments in healthcare: COBRA coverage . Tom Quigley explains why that official-looking COBRA letter often becomes the single most expensive piece of mail someone will ever open, and why most people panic, overpay, and make the wrong decision simply because no one ever explained their options. The takeaway is simple and powe...

In this episode, Tom Quigley takes on one of the most aggressively marketed benefit strategies of the last few years: ICHRA — Individual Coverage Health Reimbursement Arrangements . Often pitched as a modern, flexible alternative to group health insurance, ICHRAs are being sold to employers as a cost-saving “game changer.” Tom explains why, in reality, many employers are being steered into ICHRAs...

In this episode, Tom Quigley takes on one of the most misunderstood laws in modern America: the Affordable Care Act (ACA) . Rather than arguing politics, Tom breaks the ACA down as a tool —what it was actually designed to fix, what it fixed well, what it broke, and why most people arguing about it don’t understand how it works at all . This conversation reframes the ACA not as “Obamacare vs. anti-...

In this episode, Tom Quigley pulls the curtain back on one of the most misleading acronyms in healthcare: MEC — Minimum Essential Coverage . On paper, MEC sounds compliant, affordable, and safe. In reality, Tom explains, it’s often a legal checkbox masquerading as health insurance —designed to protect employers from ACA penalties while leaving employees dangerously exposed. This conversation is a...

Following the deep dive on HSAs , this episode tackles the other side of the alphabet soup: FSAs (Flexible Spending Accounts) — the benefit that sounds helpful, looks simple, but often leaves employees frustrated and employers exposed. Tom Quigley breaks down exactly what an FSA is, how it works under the tax code, where it makes sense, and where it absolutely does not . He also explains why FSAs...

In this episode, Tom Quigley breaks down one of the most misunderstood acronyms in healthcare — the HSA (Health Savings Account) — and explains why it may be the single smartest way for individuals and certain business owners to fund healthcare in 2026 and beyond. Most people think HSAs are confusing, restrictive, or not worth the effort. Tom flips that narrative completely, walking listeners thro...

In this end-of-year episode, Tom Quigley delivers a blunt post-mortem on what many Americans feared — and hoped wouldn’t happen. The enhanced ACA subsidies have officially sunset, and the fallout is immediate and brutal. Premiums that were once manageable have exploded overnight, forcing families, couples, and small business owners into impossible choices: pay unaffordable premiums, go uninsured,...

This is the episode title that makes employers uncomfortable — and for good reason. In this candid, forward-looking conversation, Tom Quigley explains why 2026 is the year many employers stop asking “how do we renew?” and start asking “why are we doing this at all?” Traditional health insurance has reached a financial breaking point, and companies are being forced to choose between paying carriers...

As 2026 approaches fast, Tom Quigley lays it out plainly: traditional employer health plans are officially broken — and pretending otherwise is no longer an option. In this episode, Tom explains why 2026 has become the breaking point for employers, what finally snapped inside the legacy health insurance model, and why the smartest companies are resetting their entire benefits strategy before renew...

This episode pulls back the curtain on what actually makes ClaimLinx work —not just the strategy, but the people . For the first time, listeners meet Chelsea and Emily , two of the field service managers who travel across the country educating employers and employees on how to use the ClaimLinx solution in real life. This conversation makes one thing crystal clear: ClaimLinx isn’t just a cost-savi...