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 ClaimLinx’s Simple Option Solution uses alternative funding models, tax laws, and smart plan design to save companies up to 50% on healthcare—without cutting employee benefits. It’s a complete mindset shift from the old, broken system—and one every CFO, CEO, and business owner needs to hear.

• 💣 The truth about healthcare inflation: Why costs keep rising no matter what

• 💊 How hospital administrators and stock-driven insurance companies are driving costs

• 🧾 Why maternity costs have jumped from $5,000 to over $20,000

• 🧠 Why HR managers should NOT be making insurance decisions

• 💸 How to measure your insurance costs like a profit-driving business expense

• 📉 The secret behind “alternative funding models” and how ClaimLinx uses them to save money

• 💼 How brokers are incentivized NOT to save you money—and what to do about it

• 📈 Using a tax-efficient strategy to reduce premiums and improve employee coverage

• 🧪 Why Tom calls himself the “mad scientist” of healthcare benefits (and why it works)

• 🔁 Why large companies are often more wasteful than small ones—and how to beat both

• Stop outsourcing critical benefit decisions to HR and office managers who don’t understand the math.

• Evaluate your healthcare spend the way you’d evaluate a million-dollar sale.

• Ask: “If my business saved $500K on insurance, what would that mean for profit or valuation?”

• Take advantage of 1954 tax code Section 105—it’s legal, powerful, and underutilized.

• Don’t settle for 10–20% rate increases—fight back with data, design, and better partners.

“It’s not an HR decision—it’s a corporate profitability decision.” — Tom Quigley

“Every tax law has tax breaks—you just need to know how to use them.” — Tom Quigley

“They float a 10% rate hike like they’re doing you a favor. That’s not savings. That’s theft.” — Tom Quigley

“If you’re paying more and getting less, you’re the sucker at the poker table.” — Tom Quigley

• ✅ Schedule a call with Tom: www.claimlinx.com

• 🎧 Listen to past episodes: Cutting Edge Benefits Podcast

• 📊 Learn about the Simple Option Solution: How It Works

#CuttingEdgeBenefits #ClaimLinx #HealthcareInflation #2026Benefits #TomQuigley #AlternativeFunding #SmallBusinessHealthcare #InsuranceScam #HealthPlanSavings #HRvsCFO #HealthcareTransparency #StopOverpaying #EmployeeBenefits #NeilHaleyShow

🔥 Topics Covered:🛠️ Key Takeaways for Employers:💬 Quotes to Remember:🔗 Resources:📌 Hashtags: