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 navigation.
Tom explains how lobbyists, bloated government systems, and corrupt state insurance departments prevent meaningful healthcare reform—leaving small employers stuck with unaffordable options. From level-funded plans being banned in certain states to the pending expiration of ACA subsidies, Tom pulls no punches in warning what's coming if action isn't taken.
💥 The $50,000 Deductible Solution — Tom’s radical but simple fix to stabilize the system
🔁 How federal laws (ACA, Inflation Reduction Act) interact with state-level insurance policies
🚫 Why states like New Hampshire and New York are blocking small business access to affordable plans
💸 How subsidies, if cut, could bankrupt families and small businesses
💼 Why Section 105 MERPs still offer the best legal tax advantages for small employers
🏥 The rise of reinsurance providers behind major carriers—and why you’re paying more for less
📉 The real math behind group health plans and how employers can cut costs by 50% without sacrificing benefits
🗳️ Which 2026 election issues matter most for healthcare—and why both parties are missing the mark
⚠️ What every employer needs to know before ACA enhanced subsidies expire in 2025
“You’re running with thieves. You don’t have to be one—but you better learn how they think, or you’ll get buried.”
— Tom Quigley
“We passed the ACA and didn’t read it. That would get you fired anywhere else—but not in politics.”
— Tom Quigley
“The biggest myth? That your insurance agent is saving you money. Most are stuck selling plans from 30 years ago.”
— Tom Quigley
“Want to fix the system? Put a $50,000 deductible on everyone and let Americans choose how to fund the gap—subsidies, private insurance, self-funding. Problem solved.”
— Tom Quigley
✅ Don’t blindly trust your broker—learn the math behind your plan
✅ Stop overpaying for “rich” insurance plans that don’t deliver
✅ Use Section 105 to reimburse employees tax-free and retain top talent
✅ Take advantage of current subsidies before they vanish in 2025
✅ Don’t wait for Washington—you can fix your company’s health plan now
👉 Business Owners: Want to legally reduce premiums up to 50% AND improve your employee benefits?
📅 Schedule a call with ClaimLinx
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💡 Key Topics Covered:🧠 Tom’s Mic-Drop Moments:🔧 Takeaways for Business Owners:🔗 Resources:📣 Call to Action:🏷️ Hashtags: