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 the shocking truth about brokers, HR decision-makers, and even departments of insurance.
Get the Lowest-Cost Option
Ask your current carrier for the cheapest available plan with the same network—no matter the deductible.
Run the Math with ClaimLinx
Tom’s team will show you how much you’re overpaying and what you can recover by managing benefits yourself.
Design a Strategic Plan
Let employees voluntarily go on spouse plans, Medicare, TRICARE, or ACA subsidies if applicable. Structure your plan to allow this and capture more savings.
Optimize & Layer Benefits
Use a Medical Expense Reimbursement Plan (MERP) to improve benefits tax-free, stack group plans if needed, and add disease grants, hospital discounts, and prescription savings to reduce costs even further.
💰 “Your broker works for the insurance company—not for you.”
🚫 “Insurance agents make more money the more you spend. Of course they’re not showing you how to cut costs.”
🧮 “If I can save you $100K, why didn’t your broker already do that?”
😤 “HR and office managers shouldn’t be in charge of buying health insurance. They’re protecting their turf, not your company.”
🐒 “A chimpanzee could do what most brokers do.”
“My job is to win. I’m incentivized by what I save you. I don’t sell policies—I fix broken systems.”
“You’re not just saving money—you’re increasing your business’s valuation and EBITDA overnight.”
“Egos and laziness are costing companies millions. Do the math, and do better.”
Tom shares how he tried to help a private equity-backed company save $10 million/year—only to be dismissed by the CEO who said he was “too busy.” The same company’s agent admitted they had the best benefits at the lowest cost—all thanks to ClaimLinx.
Small to mid-sized business owners under 50 employees
CFOs and CEOs looking to reduce their 2026 healthcare spend
Any employer tired of brokers pushing rate hikes without strategy
Private equity groups managing portfolio companies' expenses
HR directors open to real solutions (not clinging to control)
Don’t throw money away on bad benefits. Get the truth.
👉 Visit ClaimLinx.com
📅 Schedule a free discovery call with Tom and his team.
#CuttingEdgeBenefits #ClaimLinx #HealthInsuranceStrategy #SmallBusinessSavings #MedicalExpensePlan #TomQuigley #BusinessHealth #EmployerBenefits #2026Planning
💡 Key Takeaways:✅ Tom’s 4-Step Process for Buying Smarter in 2026:💣 Hard Truths Tom Drops:🧠 Tom's Business Philosophy:🔥 Real Talk:📈 Who This Episode Is For:🎯 Call to Action:📲 Shareable Hashtags: