Cutting-Edge Benefits Podcast

With just 21 days left on the clock , Tom Quigley dives headfirst into the reality many Americans are now waking up to: enhanced ACA subsidies are gone , the income cliff is back , and 2026 is shaping up to be a brutal year for anyone relying on the Affordable Care Act. In this raw, unscripted conversation, Tom and Neil break down what’s actually happening (and what isn’t), why people are shocked...

In this episode, Tom Quigley of ClaimLinx delivers a wake-up call to employers still buying health insurance with outdated strategies. If your company is stuck in the 1990s mindset—high premiums, minimal customization, and cookie-cutter plans—then you're bleeding cash. Tom explains how modern 2026 health plan design leverages Section 105 tax law , medical expense reimbursement plans (MERPs) ,...

In this urgent episode, Tom Quigley of ClaimLinx breaks down the confusion and panic surrounding the sunsetting of enhanced ACA subsidies at the end of 2025. Many individuals and small business owners are seeing massive spikes in healthcare premiums —but much of the fear is based on misinformation. Tom clarifies what’s actually happening, who’s impacted, and why the enhanced subsidies were so crit...

Health insurance costs are rising fast—and small businesses are feeling the heat. In this episode, Tom Quigley explains how smarter plan design can slash health insurance costs by 30–60% while improving employee benefits . Tom outlines why traditional insurance plans are loaded with unnecessary costs , how pharmaceutical rebates are being hidden, and why most employers are unknowingly overpaying b...

In this powerful episode, Tom Quigley breaks down the real role of a benefits consultant —and why small businesses can’t afford to rely on traditional health insurance brokers anymore. Tom outlines how most brokers are incentivized by insurance carriers, not employers, and how this creates a massive blind spot for business owners trying to contain healthcare costs. He explains the difference betwe...

In this packed episode, Tom Quigley invites Amber Krauza of CEHAS to help tackle one of the biggest questions hanging over the country right now: “What the hell are people supposed to do when health insurance jumps 40%, 50%, even 60% overnight?” The entire marketplace is in upheaval — open enrollment is a disaster, premiums are skyrocketing, networks are shrinking, and millions of people suddenly...

In this direct, no-filter conversation, Tom Quigley tackles the question dominating American households, employers, and policymakers right now: Will the enhanced ACA subsidies sunset — or will politicians cave and extend them? Tom breaks down the math, the politics, the corruption, and the sheer incompetence swirling in Washington as lawmakers try to figure out what the hell to do with a healthcar...

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...

In this explosive Cutting Edge Benefits Podcast episode, Tom Quigley delivers his most powerful reality check yet on the 2026 healthcare crisis . With UnitedHealthcare and other major carriers raising premiums by 40–52% , Tom exposes how employers are being ripped off in broad daylight —and how ClaimLinx’s simple, proven system could slash costs by hundreds of thousands of dollars. Tom reveals an...

In this special Halloween edition of the Cutting Edge Benefits Podcast , Tom Quigley and Neil Haley dissect breaking news from the healthcare industry: CVS Health’s shocking decision to exit the ACA individual marketplace in 17 states for 2026 . While some may see this as an isolated corporate move, Tom argues it’s a clear reflection of a profit-obsessed system collapsing under its own weight . Wi...

In this Halloween edition of Cutting Edge Benefits , host Tom Quigley and co-host Neil Haley tackle the chilling reality of what 2026 holds for U.S. employers facing skyrocketing healthcare costs . With projections showing nearly a 9% rise in employee healthcare costs , Tom delivers a candid and fiery take on what’s truly driving this crisis— greed, corruption, and complacency at every level of th...

In this powerhouse episode, Tom Quigley breaks down how small businesses should approach buying health insurance for 2026 . With inflation, subsidy uncertainty, and insurance carrier greed on the rise, most businesses are wasting tens—sometimes hundreds—of thousands of dollars every year. Tom lays out a step-by-step framework for saving money while providing better employee benefits, and exposes t...

In this no-holds-barred episode, Tom Quigley takes aim at Washington’s latest political standoff— the looming expiration of health insurance subsidies under the Affordable Care Act . With the government shutdown still unresolved , Tom explains why cutting subsidies could devastate small business owners, self-employed individuals, and middle-class families across America. As always, Tom delivers re...

In this episode of  Cutting Edge Benefits , Tom Quigley welcomes longtime friend and benefits expert  Aaron McDonald from  Medfinity Financial  for a deep dive into one of the most  overlooked benefits in the small business world — disability insurance . Aaron shares how  reverse discrimination  in traditional group benefits plans leaves  high-income earners  significantly underinsured—and what bu...

In this no-holds-barred episode of the  Cutting Edge Benefits Podcast ,  Tom Quigley  breaks down the hard truth about why  healthcare inflation is outpacing wages and profits —and what small businesses must do in 2026 to stay alive. From  corporate greed and rigged state insurance laws  to  hospital billing scams and bloated broker commissions , Tom doesn’t hold back. You'll hear how ClaimLin...

In this powerful and eye-opening episode, host Tom Quigley welcomes special guest Kyle Fields , CEO of ApproRx , a pharmacy benefit manager (PBM) that’s rewriting the rules of prescription drug pricing. Together, they dive deep into the massive flaws, corruption, and hidden costs embedded in the U.S. pharmaceutical system—and how employers and individuals can fight back. Kyle exposes how big-name...

In this episode, Tom Quigley explores how the subscription economy —popularized by platforms like Netflix and Amazon Prime—is making its way into healthcare. This revolutionary model of “pay only for what you use” is becoming more popular among small and medium-sized businesses who are tired of rising premiums and wasted healthcare costs. Tom explains how direct primary care , concierge medicine ,...

As health insurance rates soar heading into 2026, ClaimLinx CEO Tom Quigley returns with a critical breakdown of how small businesses can still save money on employee benefits—despite looming subsidy cuts and state-approved rate hikes. From understanding the difference between individual and group plans , to setting up MERPs (Medical Expense Reimbursement Plans) and HSAs , this episode is your no-...

In this powerful episode, Tom Quigley breaks down one of the most misunderstood choices in employee benefits : Group Health Insurance vs. Individual Plans. Tom reveals why most employers are drastically overpaying for group health coverage and how a smarter, hybrid strategy using MERPs, HSAs , and individual plans can cut health insurance costs by 50% or more —without sacrificing employee benefits...

In this episode, ClaimLinx CEO Tom Quigley returns to share important updates as the company expands going into Q4—and doesn't hold back. Tom discusses the launch of new claim system software , Employee Navigator , and how these tools are making benefits easier for both employees and employers. But the real fire starts when Tom calls out the HR departments and office managers who resist change...

Healthcare Subsidies at Risk: What a Government Shutdown Means for Your Premiums In this urgent episode, ClaimLinx CEO Tom Quigley breaks down the looming government shutdown and its devastating consequences for health insurance subsidies. Tom simplifies what most of Washington and the media overcomplicate— how ACA subsidies work , why they matter to millions of Americans and small businesses, and...

n this urgent episode of the Cutting Edge Benefits Podcast , Neil Haley and ClaimLinx CEO Tom Quigley tackle a massive and growing threat to working families: medical debt from hospital bills . With eye-opening stats and on-the-ground stories, Tom explains how employers are often unintentionally setting their employees up for financial disaster —simply by choosing outdated health plans with high d...

In this fiery episode of the Cutting Edge Benefits Podcast , host Neil Haley and ClaimLinx CEO Tom Quigley expose the truth behind political promises, hidden tax advantages, and why the healthcare system is rigged against small businesses . Tom offers a bold, controversial, yet pragmatic plan for fixing health insurance in America—starting with a $50,000 universal deductible and smart tax law navi...

In this special episode, Neil Haley sits down with  Tom Quigley , benefits expert and CEO of ClaimLinx, and  Sarah Chadzynski , a 2026 U.S. congressional candidate from New Hampshire, for a powerful conversation that merges  healthcare policy, election strategy, and real-world impact . Tom shares deep insights into the  upcoming sunset of enhanced subsidies under the ACA , revealing how the loss o...

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’...