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 the healthcare system.
Tom calls out the insurance carriers, pharmaceutical giants, hospital administrators, and even government agencies for perpetuating an unsustainable model that punishes small and mid-sized businesses. He argues that the traditional way of buying health insurance is broken—a “round peg in a square hole” that no longer fits the modern economic landscape.
But this episode isn’t just a rant—it’s a roadmap. Tom outlines ClaimLinx’s proven strategy to help businesses fight back, lower costs, and enhance employee benefits by leveraging tax laws and innovative plan design. Through ClaimLinx’s Simple Option Solution, employers can transform health insurance from a crippling liability into a competitive business asset.
The 2026 Health Insurance Cost Explosion
Premiums expected to rise nearly 9%, with some companies already seeing 30–40% increases.
Tom bluntly states: “It’s all about greed. It’s all about the Benjamins.”
Corruption in the System
A raw look at how profit-driven motives—from insurance carriers to big pharma—keep driving costs higher.
“Corrupt people allow corrupt things to happen,” Tom says, emphasizing the need for employers to outsmart the system.
The Myth of “Lower Rates”
Many brokers claim to secure lower rates, but they quietly strip away benefits—raising deductibles and removing copays.
Example: A supposed “6% decrease” that actually hid a 20% rate increase and a shift from a $500 to a $3,000 deductible.
Impact on Small and Mid-Sized Businesses
The rising costs threaten business survival and employee satisfaction.
Passing the burden to employees is a short-term fix that destroys morale, retention, and recruiting power.
The ClaimLinx Advantage
ClaimLinx teaches companies to buy insurance smarter and use tax laws to their advantage.
Employers can save up to 50% while offering better benefits than competitors.
Tom likens it to turning “a liability into an asset” on the company balance sheet.
Timing is Everything
November is renewal season, and HR teams are bracing for bad news.
Tom urges business owners: “Don’t be another sucker who takes the rate increase—change the game.”
Stop accepting rate hikes as inevitable—there’s always a smarter way to buy insurance.
Use tax codes strategically to reduce employer and employee costs.
Evaluate benefit designs that give employees more coverage at less cost.
Schedule a call with ClaimLinx before renewal deadlines to explore custom savings opportunities.
👉 Website: www.ClaimLinx.com
📞 Schedule a Call: Book a consultation with Tom Quigley and his team to find out how to save up to 50% on your 2026 healthcare costs.
“Corrupt people allow corrupt things to happen.” — Tom Quigley
“It’s like Christmas every day for me—I get to show people how to win the healthcare game.” — Tom Quigley
“They think they’re heroes for stripping benefits. They’re not saving you money—they’re robbing your employees.” — Tom Quigley
Catch every episode of the Cutting Edge Benefits Podcast—your insider’s guide to smarter healthcare strategies for 2026 and beyond.
Simulcast weekly on The Neil Haley Show across 150+ stations and all major podcast platforms.
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