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.
Whether you're a small business owner, CFO, or HR director, this episode will reshape how you view your company’s healthcare spend.
💼 Why Group Plans Are Still Being Sold
Agents only get paid commissions on group plans
Most business owners are unaware of better alternatives
💸 The Real Cost of Group Plans
Same network, same coverage—but at a higher price
Case study: 50-person company in Maine saved $120,000 by switching to individual
🏠 Own vs. Rent Analogy
Group Health = renting a house
Individual Health = owning a house (you take it with you when you leave)
🔁 Blended Strategy: Diamond, Sapphire & Crystal Solutions
Let employees purchase their own plans (with tax-free reimbursement)
MERPs cover deductibles
Employees receive better benefits at a lower cost
🔢 Why It’s Just Math
Group agents “take shots” while ClaimLinx “scores goals”
Second-grade math is all it takes to see the savings
🧮 Case Study Highlights:
5-person company: saved $60,000
100-person company: saved over $1 million
Individual family: saved $30,000/year
“Group plans are like renting a house. Individual plans? You own it.”
“Group agents take shots. I score goals.”
“It's just basic math. Second or third-grade stuff. The people who cried in math class are the ones making your health insurance decisions today.”
Take the emotion out of it.
Look at the numbers.
Consider a hybrid strategy.
Schedule a free call with ClaimLinx.
📞 Book your free consultation now at: www.claimlinx.com
#CuttingEdgeBenefits #ClaimLinx #GroupHealthInsurance #IndividualPlans #MERP #EmployeeBenefits #SmallBusinessSavings #TomQuigley #HealthcareReform #CostCutting #EmployeeRetention #AffordableCareAct #TaxFreeBenefits #HealthInsuranceTips #DiamondSapphireCrystalPlans #NeilHaleyShow #BusinessStrategy2026
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