In this special author-focused episode, Tom Quigley opens up about the inspiration behind his three books—including the bestselling How to Beat the High Cost of Healthcare and How to Beat Obamacare. Tom shares how these books break down complex healthcare laws, offer tax-saving strategies, and help business owners and individuals navigate the U.S. healthcare maze with clarity.

You’ll learn how Tom, alongside his wife and tax attorney Edward Lyon, used real IRS-supported strategies to legally slash healthcare costs—and how you can too.

• Tom’s journey to becoming a published author

• The inspiration behind writing How to Beat the High Cost of Healthcare

• Why How to Beat Obamacare is still relevant today

• The misunderstood reality of the Affordable Care Act vs. “Obamacare”

• What business owners and employees alike get wrong about group plans

• Why reading the first 30 pages of Tom’s book might be all you need

• A humorous look at public confusion over healthcare laws

• How to use Section 105 tax law to build smarter health plans

• The benefit of simplifying healthcare through real math—not industry buzzwords

“I don't believe in making 100 pages out of something and repeating the same thing 20 different ways. Say it how it is and move on.” – Tom Quigley

“Everyone’s under the Affordable Care Act—like it or not. Even if you think you’re not on ‘Obamacare,’ you probably are.” – Tom Quigley

“If you’ve got 32 employees, make your plan ‘unaffordable’ and let them get subsidies. Why wouldn’t you?” – Tom Quigley

“All you need is a mic and someone who can decipher your ideas—writing a book isn’t hard.” – Tom Quigley

• Entrepreneurs & Business Owners wanting to reduce healthcare costs

• Employees looking to understand their rights and tax opportunities under ACA

• Healthcare consultants, HR professionals, and brokers looking to learn from an industry veteran

• Anyone who wants a simple, math-backed explanation of healthcare savings strategies

• How to Beat the High Cost of Healthcare

• How to Beat Obamacare

• [Title of Third Book - unspecified]

All books are available at:

• Amazon

• Barnes & Noble
  (Just search “Tom Quigley” or the book titles)

• Visit: ClaimLinx.com

• Schedule a free consultation to slash your healthcare spend

• Pick up the book on Amazon or Barnes & Noble

Hashtags:
#ClaimLinx #CuttingEdgeBenefits #TomQuigley #BeatObamacare #HealthcareSavings #AffordableCareAct #SmallBusinessTips #NeilHaleyShow #HealthcareTaxStrategies

🔍 Key Topics Covered:💡 Notable Quotes:🧭 Who This Episode Is For:📚 Mentioned Books by Tom Quigley:🔗 Resources:

In this insightful episode, Tom Quigley breaks down the rising costs of prescription drugs—and how ClaimLinx is helping individuals and companies slash those costs immediately. Tom reveals how manufacturer rebates, coupon programs, and smart plan design can help employees and solopreneurs pay zero out-of-pocket for expensive medications like Humira, Enbrel, and other injectables.

Listeners will learn how most people are overpaying for prescriptions simply because they aren’t using the tools already available to them. Tom outlines a smarter way to purchase health insurance, leveraging high-deductible plans paired with manufacturer rebates—leading to lower premiums and zero-cost prescriptions.

• Why prescription drug costs continue to rise

• What’s changing with new policies under the current administration

• How manufacturer rebates (like $14,000/year for Humira) cover full deductibles

• Why buying gold or silver insurance plans might be costing you more

• How to find rebate programs on sites like GoodRx and NeedyMeds.org

• The common mistake of paying extra for drug coverage in your insurance

• Why ClaimLinx’s PBM integration flags expensive drugs and provides savings strategies

• How solopreneurs and businesses alike can take advantage of this structure

• What employees should do if their employer hasn’t heard of these solutions

• Why every business should rethink how they buy prescription coverage

“You want a plan that doesn’t cover your drugs… so the rebate can.” — Tom Quigley
“Think of manufacturer rebates like digital coupons. Would you pay full price for Cheerios? Then why do it for drugs?” — Tom Quigley
“Most people don’t realize: Humira’s manufacturer will cover your entire deductible. That’s $9,000 saved instantly.” — Tom Quigley
“The way you buy insurance should change if you want real savings on prescriptions.” — Tom Quigley
“There’s no excuse for not finding savings. The rebates are right there—people just don’t know how to use them.” — Tom Quigley

• Employees stuck paying high premiums and prescription costs

• HR managers looking for ways to reduce costs while improving benefits

• Small business owners and solopreneurs who think healthcare is too expensive

• CFOs seeking to reduce healthcare spending without sacrificing value

• Anyone on expensive medications like Ozempic, Enbrel, Humira, or GLP-1s

1. Buy the right insurance plan

   • Avoid plans that cover drugs too early—rebates won’t apply!

2. Use rebate and coupon programs

   • GoodRx.com

   • NeedyMeds.org

   • Manufacturer websites (search: “[drug name] + manufacturer coupon”)

3. Let your deductible work for you

   • Manufacturer programs pay toward deductibles = you pay $0

4. Ask ClaimLinx for help

   • They flag expensive prescriptions and help guide you through rebate options.

• Schedule a consultation: ClaimLinx.com

• Manufacturer coupon databases:

  • GoodRx

  • NeedyMeds

If you’re still overpaying for prescriptions, you’re simply not using the system right. ClaimLinx can help you—and your employees—unlock hidden savings you never knew were available.

Hashtags:
#PrescriptionSavings #ClaimLinx #HealthcareReform #DrugCosts #MedicalRebates #PharmacyBenefits #CuttingEdgeBenefits #EmployerSavings #SmallBusinessHealthcare #NeilHaleyShow #HealthcareHack

💡 Key Topics Covered:🧠 Insightful Quotes:🧭 Who This Episode Is For:✅ Tom’s Quick Prescription Drug Savings Tips:🔗 Resources:🔚 Final Thought:

In this insightful episode, Tom Quigley breaks down the rising costs of prescription drugs—and how ClaimLinx is helping individuals and companies slash those costs immediately. Tom reveals how manufacturer rebates, coupon programs, and smart plan design can help employees and solopreneurs pay zero out-of-pocket for expensive medications like Humira, Enbrel, and other injectables.

Listeners will learn how most people are overpaying for prescriptions simply because they aren’t using the tools already available to them. Tom outlines a smarter way to purchase health insurance, leveraging high-deductible plans paired with manufacturer rebates—leading to lower premiums and zero-cost prescriptions.

• Why prescription drug costs continue to rise

• What’s changing with new policies under the current administration

• How manufacturer rebates (like $14,000/year for Humira) cover full deductibles

• Why buying gold or silver insurance plans might be costing you more

• How to find rebate programs on sites like GoodRx and NeedyMeds.org

• The common mistake of paying extra for drug coverage in your insurance

• Why ClaimLinx’s PBM integration flags expensive drugs and provides savings strategies

• How solopreneurs and businesses alike can take advantage of this structure

• What employees should do if their employer hasn’t heard of these solutions

• Why every business should rethink how they buy prescription coverage

“You want a plan that doesn’t cover your drugs… so the rebate can.” — Tom Quigley
“Think of manufacturer rebates like digital coupons. Would you pay full price for Cheerios? Then why do it for drugs?” — Tom Quigley
“Most people don’t realize: Humira’s manufacturer will cover your entire deductible. That’s $9,000 saved instantly.” — Tom Quigley
“The way you buy insurance should change if you want real savings on prescriptions.” — Tom Quigley
“There’s no excuse for not finding savings. The rebates are right there—people just don’t know how to use them.” — Tom Quigley

• Employees stuck paying high premiums and prescription costs

• HR managers looking for ways to reduce costs while improving benefits

• Small business owners and solopreneurs who think healthcare is too expensive

• CFOs seeking to reduce healthcare spending without sacrificing value

• Anyone on expensive medications like Ozempic, Enbrel, Humira, or GLP-1s

1. Buy the right insurance plan

   • Avoid plans that cover drugs too early—rebates won’t apply!

2. Use rebate and coupon programs

   • GoodRx.com

   • NeedyMeds.org

   • Manufacturer websites (search: “[drug name] + manufacturer coupon”)

3. Let your deductible work for you

   • Manufacturer programs pay toward deductibles = you pay $0

4. Ask ClaimLinx for help

   • They flag expensive prescriptions and help guide you through rebate options.

• Schedule a consultation: ClaimLinx.com

• Manufacturer coupon databases:

  • GoodRx

  • NeedyMeds

If you’re still overpaying for prescriptions, you’re simply not using the system right. ClaimLinx can help you—and your employees—unlock hidden savings you never knew were available.

Hashtags:
#PrescriptionSavings #ClaimLinx #HealthcareReform #DrugCosts #MedicalRebates #PharmacyBenefits #CuttingEdgeBenefits #EmployerSavings #SmallBusinessHealthcare #NeilHaleyShow #HealthcareHack

💡 Key Topics Covered:🧠 Insightful Quotes:🧭 Who This Episode Is For:✅ Tom’s Quick Prescription Drug Savings Tips:🔗 Resources:🔚 Final Thought:

In this empowering episode, Tom Quigley and Neil Haley explore the critical role that employees can play in transforming their company's healthcare benefits. Titled “Advocating for Better Benefits,” the discussion zeroes in on how employees can introduce ClaimLinx’s innovative health insurance solutions to their HR departments and leadership—saving money and improving benefits for everyone.

Tom pulls back the curtain on why traditional brokers continue to dominate the benefits space (hint: commissions), how HR decisions often block progress, and how employees can spark a change just by asking the right questions. If you're frustrated with high deductibles, weak coverage, or rising premiums, this episode is your playbook for action.

• How employees can introduce ClaimLinx to HR or leadership

• The dangers of status quo benefits and how they’re costing your company money

• Why dental insurance is often a poor value—and disability insurance is a must

• The conflict of interest between brokers and employers

• How to research your company’s insurance spend (using Form 5500)

• Real-life examples of companies overpaying by hundreds of thousands

• Why HR is sometimes the barrier to better benefits, and how to go around them

• How to start the conversation with your CFO or owner

• What resources to bring when advocating for a change

“If you knew you were throwing away half a million dollars a year, wouldn’t you ask questions?” – Tom Quigley
“Most dental insurance is a scam—it’s time to rethink what matters.” – Tom Quigley
“Go straight to the CFO. Your HR director may not want to look bad by bringing us in.” – Tom Quigley
“Our savings are real. I can tell you what your company is paying in health insurance today—and how much we could save them.” – Tom Quigley

• Employees frustrated with high premiums or weak benefits

• HR professionals open to innovation

• CFOs or CEOs of companies under 500 employees

• Small business owners trying to stretch benefit dollars

• Anyone tired of rising insurance costs and looking for smarter alternatives

1. Visit ClaimLinx.com to schedule a free consultation

2. Ask your CFO or owner: “Can we save money on our benefits and still get better coverage?”

3. Download your company’s Form 5500 (if available) to understand how much you’re spending

4. Share this episode with co-workers who feel the same

• ClaimLinx.com – Book a consult with Tom or the team

• Learn more about Section 105 and Medical Expense Reimbursement Plans

• Listen to previous episodes with Alicia Kishpaugh (Defined Contribution Planning) and Dan Quigley (Wellness Services)

Hashtags:
#ClaimLinx #EmployeeAdvocacy #BetterBenefits #CuttingEdgeBenefits #HRStrategy #HealthcareSavings #MedicalReimbursement #TomQuigley #BusinessInsurance #SolopreneurSolutions #EmployeeEmpowerment

💡 Key Topics Covered:💬 Quotes:🧠 Who Should Listen:🧭 Action Steps:🔗 Resources Mentioned:Ask ChatGPT

In this episode, Neil Haley and Tom Quigley dive deep into the world of health insurance for solopreneurs, freelancers, and the self-employed. As premiums rise and confusion around healthcare increases, solopreneurs often find themselves underinsured or uninsured entirely—until now.

Tom shares how ClaimLinx’s concierge service helps individuals not only secure affordable and effective coverage but also reduce taxes and maximize every dollar spent. From ACA subsidies and deductible strategies to grants and manufacturer coupons, ClaimLinx transforms how solopreneurs approach healthcare.

Plus, Neil shares his personal success story of saving thousands of dollars using ClaimLinx’s guidance.

• What is the ClaimLinx Concierge Service and how it works for solopreneurs

• The difference between gold/silver/bronze ACA plans and how to choose wisely

• Common health insurance misconceptions that cost self-employed people thousands

• Using grants, drug manufacturer rebates, and tax-free funding to offset out-of-pocket costs

• Why COBRA isn't your only option after leaving a job

• How Roth IRAs and income blending can help retiring solopreneurs get $0 health insurance premiums

• Why buying the most expensive health plan doesn't mean the best coverage

• How a single $110 consultation can unlock thousands in savings

• ClaimLinx’s unique strategy: “Only insure what needs to be insured—self-fund the rest tax-free”

“Most people are paying for a rusted-out Subaru when they think they’re getting a luxury car.” – Tom Quigley
“You can’t buy health insurance the way you buy a car—you have to understand what you’re really paying for.” – Neil Haley
“No one understands coinsurance, deductibles, or the fine print—and we simplify all of that for you.” – Tom Quigley
“If you’re retiring and have a Roth, you could pay $0 for health insurance. People don’t know this!” – Tom Quigley

• Self-employed entrepreneurs and freelancers

• Small business owners with 1–5 employees

• Gig workers or 1099 contractors

• People nearing retirement who want to reduce health costs

• Anyone confused by ACA plans and deductibles

• Individuals who have recently left a job and need new coverage

➡ Schedule your consultation today: ClaimLinx.com
➡ Only $110 one-time fee to unlock thousands in potential savings
➡ Contact ClaimLinx before your next enrollment window or job change

Hashtags:
#Solopreneur #HealthInsuranceHacks #ClaimLinx #AffordableCareAct #ConciergeHealthcare #EntrepreneurLife #CuttingEdgeBenefits #SelfEmployedSavings #MedicalReimbursementPlans #TaxFreeHealthcare #TomQuigley #NeilHaleyShow #HealthcareSimplified

💡 Key Topics Covered:💬 Quotes:🧠 Who Should Listen:🔗 Resources Mentioned:Ask ChatGPT

In this eye-opening episode, ClaimLinx founder Tom Quigley and special guest Alicia Kishpaugh introduce a powerful wealth-building and retirement planning strategy that goes far beyond traditional life insurance. Alicia breaks down how she helps clients across the country—ranging from everyday business owners to billionaires—grow their money in two accounts at the same time using a method her firm pioneered.

This is not your grandfather’s life insurance. Through a structured dual-account system and leveraging the Section 7702 tax code, clients can turn a lump sum investment into long-term, tax-free retirement income, along with flexible life insurance coverage.

Tom shares his personal journey of using this strategy with Alicia’s help—investing $300K over three years and projecting a $1 million return within a decade.

Whether you're a small business owner or someone looking to retire smarter, this episode will reshape how you view life insurance, retirement planning, and strategic wealth building.

• How the dual-account system works: Funding a life insurance account and borrowing against it to invest

• Why this structure provides tax-free retirement income

• Real client examples, including Tom Quigley’s own $1M strategy

• The flexibility to pause or change contributions with no credit impact

• Who qualifies: Minimum $100K lump sum investment

• Why this strategy works even for those with health issues or uncertain income futures

• Alicia’s drive across the Americas with her family—and how that spirit of adventure shows up in her financial planning style

• “Most people divide their money—life insurance OR investment. We combine both.” – Alicia Kishpaugh

• “I invested $300K and in 10 years, I’m looking at $1 million. That’s real.” – Tom Quigley

• “It’s designed to maximize income, not just death benefits.” – Alicia

• “This is how the wealthy do it—the Rockefellers, the banks, the billionaires.” – Alicia

• “Stop overpaying for group health, and start investing what you save.” – Tom

• Business owners looking to grow retirement income

• High earners with lump sums to invest

• Individuals tired of 401(k) limitations

• Anyone interested in tax-free wealth accumulation

• Financially curious people who want to think outside the box

➡ Contact Tom Quigley at ClaimLinx.com
➡ Tom will connect you directly with Alicia to schedule a personalized consultation.

#RetireTaxFree #ClaimLinx #CuttingEdgeBenefits #LifeInsuranceStrategy #WealthBuilding #AliciaKishpaugh #RetirementPlanning #TomQuigley #DualAccountSystem #FinancialFreedom #TaxFreeIncome

💡 Key Topics Covered:📈 Highlights:🧠 Who Should Listen:🔗 Learn More:

In this episode, Tom Quigley dives deep into how ClaimLinx is leading a small business health insurance revolution, helping businesses with under 100 employees cut healthcare costs while improving benefits for their teams. With rising premiums and out-of-pocket costs putting pressure on both employers and employees, Tom shares how his company leverages Section 105 of the 1954 tax code to legally and effectively reduce expenses.

Tom also doesn’t hold back—he calls out state-level corruption, broken insurance structures, and industry inefficiencies that are costing small businesses thousands. If you’ve ever been told a 20% increase in premiums is "good news," this episode will open your eyes to a smarter, simpler way to approach health benefits.

🔍 Key Topics Covered:

💡 What Makes ClaimLinx Different

Customized health benefit plans using Section 105 of the IRS tax code

Savings without sacrificing employee coverage

Flexibility for every size and industry—even in challenging states

🏢 Breaking the “One-Size-Fits-All” Insurance Trap

Why traditional agents and carriers offer cookie-cutter plans

The flawed logic behind Individual Coverage Health Reimbursement Arrangements (ICHRAs)

📉 Beating the Premium Spiral

How most agents spin 20% premium hikes as good news

Why medical expense reimbursement plans (MERPs) are the real solution

🧾 Federal Law vs. State Insurance Corruption

Why some states (like New York and New Hampshire) make it harder for small businesses

How ClaimLinx legally sidesteps restrictive state insurance practices

👨‍👩‍👧 Employee Retention Through Better Benefits

Employees stay longer when out-of-pocket costs are low

Businesses can still compete with big corporations when they use creative benefit strategies

📊 Behind the Scenes of Carrier Manipulation

What “loss ratios” really mean—and how insurance companies mislead employers

The truth about reinsurance and how it affects what you’re told

💬 Memorable Quotes:

“It’s like the algebra word problems—you either get it, or you’re banging your head against the wall. We help small businesses solve the puzzle.”

“You don’t have to be a thief in this industry… but you better think like one or you’re going to get buried.”

“If your premiums go up, the insurance agent and the state wins. You, the business owner, lose. That’s the game.”

👤 Who Should Listen:

Small business owners with under 100 employees

HR and office managers tired of high renewal costs

CFOs and CPAs looking for compliant, cost-saving strategies

Insurance skeptics looking for a smarter alternative

📞 Ready to Save Thousands?

Visit ClaimLinx.com to:

Schedule a free consultation with Tom Quigley and his team

Learn about MERPs and tax-free benefit strategies

Start saving without compromising your employees’ healthcare

Presented by:

ClaimLinx and The Cutting Edge Benefits Podcast

Simulcast with The Neil Haley Show

#SmallBusinessHealthPlans #Section105 #MERP #ClaimLinx #TomQuigley #HealthcareSavings #HealthInsuranceReform #CuttingEdgeBenefits

In this episode, special guest host Anthony McMahon breaks down the often misunderstood role of a Third-Party Administrator (TPA) and how ClaimLinx uses this backend engine to maximize benefit accuracy, speed up reimbursements, and slash costs for small businesses. Anthony walks through what happens behind the scenes when a claim is processed and explains how ClaimLinx finds savings where traditional brokers can’t—or won’t.

• What is a Third Party Administrator (TPA)?

  • The nuts and bolts of ClaimLinx’s claims process

  • Role in reviewing claims, ensuring accuracy, and minimizing overpayments

• Step-by-Step Claim Example

  • What happens when an employee visits a chiropractor

  • How primary and secondary coverage works

  • Real-time application of Medical Expense Reimbursement Plans (MERPs)

• Concierge Claim Review for Maximum Savings

  • Grants, disease foundations, and coupon card programs

  • Why ClaimLinx looks beyond insurance for reimbursement

  • Saving clients thousands by reviewing every angle

• The Rising Cost Crisis in Small Business Healthcare

  • 30%, 50%, even 100% renewal hikes

  • Impact on employer finances and employee take-home pay

  • Why it's not sustainable—and how ClaimLinx is the solution

• HIPAA Compliance & Data Security

  • Encrypted portals and back-end systems

  • Avoiding risky email sharing

  • Commitment to privacy, security, and compliance

“We don’t just process claims—we scrutinize them to make sure our clients aren’t overpaying. That’s what a TPA should do.” – Anthony McMahon

“Small businesses are getting hit with 30–100% rate hikes. It’s not sustainable. They need a new solution—and ClaimLinx is it.” – Anthony McMahon

“If someone else can pay the claim—whether it’s a manufacturer, grant, or program—why wouldn’t we explore that first?” – Anthony McMahon

• Small business owners and HR managers

• Employees confused by rising healthcare costs

• Brokers looking to understand TPA value

• CFOs searching for cost control solutions

• Anyone tired of getting gouged by traditional healthcare

Visit ClaimLinx.com to schedule a 15-minute consultation with Anthony, Tom, or a ClaimLinx expert. Discover how a smarter backend process can lead to front-end savings for your business and your employees.

🎙️ Hosts:
Neil Haley – Host of The Neil Haley Show
Anthony McMahon – Guest Host, Consultant at ClaimLinx

📍 Presented by:
ClaimLinx & The Cutting Edge Benefits Podcast

#TPA #HealthcareSavings #ClaimProcessing #SmallBusinessHealthcare #MERP #HIPAACompliance #ClaimLinx #HealthInsurance #CostControl

🏥 Topics Covered:💬 Notable Quotes:🧩 Who Should Listen:📞 Ready to Talk?Ask ChatGPT

In this jam-packed episode, guest host Anthony McMahon returns to dive deep into the elite, complimentary services ClaimLinx offers to clients. From medical claim negotiations to prescription savings, benefit plan customization, and on-demand education portals, ClaimLinx isn't just managing claims—they're revolutionizing healthcare savings and employee experiences.

If you think a high deductible means worse benefits or that your small business can’t compete with big corporate plans, this episode is a must-listen.

• 🔧 Medical Claim Negotiation & Savings

  • Why most TPAs overpay on claims—and ClaimLinx doesn’t

  • Hospital billing inaccuracies and how ClaimLinx negotiates better rates

  • Manufacturer drug cards, hospital grants, and disease foundations

• 💻 Member & Employer Portals

  • User-friendly portals to track claims, request cards, and manage benefits

  • Full transparency for employers and employees

  • Constant tech improvements based on feedback

• 💊 Prescription Consulting & PBM Management

  • Working with transparent Pharmacy Benefit Managers (PBMs)

  • Why GoodRx and manufacturer coupons are underused goldmines

  • How ClaimLinx reduces Rx costs while maintaining high-quality care

• ⚙️ Customization & Convenience with MERP

  • What a MERP (Medical Expense Reimbursement Plan) is and how it works

  • How high-deductible primary coverage can actually mean better benefits

  • Real-world premium savings of $13,000+ per year for businesses

  • Section 105 of the tax code and ClaimLinx’s tax-advantaged approach

• 📚 Education for Employers and Employees

  • Onboarding support and health literacy training

  • Teaching clients how to be smarter healthcare consumers

  • Reducing ER misuse, promoting urgent care, and saving across the board

“You can design your own benefit plan—you don’t have to settle for what the insurance carrier gives you.” – Anthony McMahon

“High deductible doesn’t mean high cost if you have a MERP. In fact, it can mean better benefits for less.” – Anthony McMahon

“ClaimLinx’s job isn’t just to process claims. It’s to protect your bottom line and your employees’ wallets.” – Anthony McMahon

• Small and mid-size business owners

• CFOs looking for tax savings in healthcare

• HR directors exploring better benefit options

• Insurance brokers interested in MERP strategies

• Employees tired of rising deductibles and poor coverage

Visit ClaimLinx.com to:

• Schedule a call with Anthony or the team

• Watch videos & download resources

• Discover how to save thousands annually while improving your company’s health benefits

🎙️ Host:
Anthony McMahon – Consultant at ClaimLinx
Neil Haley – Host of The Neil Haley Show

📍 Presented by:
ClaimLinx & The Cutting Edge Benefits Podcast

#MERP #HealthcareSavings #PBM #ClaimLinx #ThirdPartyAdministrator #PrescriptionSavings #EmployeeBenefits #Section105 #HealthPlanCustomization #HealthInsuranceHacks

🔍 Topics Covered:🔑 Key Takeaways:💼 Who Should Listen:📞 Ready to Level Up Your Benefits?Ask ChatGPT

In this episode, host Tom Quigley explores how ClaimLinx uses the U.S. tax code not just to cut healthcare costs—but to revolutionize how small and midsize businesses approach benefits entirely. Joined by Neil Haley, Tom breaks down ClaimLinx’s partnership with renowned tax expert Edward Lyon and explains how healthcare can become a proactive tax strategy, not just an HR burden.

💡 Key Topics Covered:

Why Taxes and Healthcare Are Now Intertwined

Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), Health Reimbursement Arrangements (HRAs), and Medical Expense Reimbursement Plans (MERPs) all stem from Section 105 of the IRS code.

The ClaimLinx Advantage: Tax Law + Strategy

Tom explains how ClaimLinx leverages tax law in ways brokers never do—using legal structures to reduce premium costs while increasing benefit quality.

Collaboration with Ed Lyon

Discover how ClaimLinx partners with Edward Lyon, one of the top tax strategists in the country, to offer layered expertise in both healthcare and tax savings.

Avoiding “Order Taker” Accountants and Brokers

Tom emphasizes that many brokers and CPAs are not proactive—they’re just order takers. ClaimLinx, in contrast, provides a customized roadmap using existing tax law.

How MERPs Drive Deep Savings

Learn how Medical Expense Reimbursement Plans allow employers to skip insuring common claims and instead reimburse them tax-free—cutting costs dramatically.

Myth-Busting: “It Sounds Too Good to Be True”

Tom addresses skepticism head-on: if you follow IRS rules with proper documentation, the savings are not only real—they’re sustainable and compliant.

Creative, Legal Avoidance—Not Evasion

ClaimLinx doesn’t hide from taxes—it legally avoids unnecessary taxation by using every provision in the IRS playbook to benefit clients.

📈 Real-World Takeaways:

Stop letting brokers dictate overpriced group plans based on commission structures.

ClaimLinx uses IRS Section 105, Section 213(d), and Publication 502 to help businesses implement smarter, tax-favorable benefits.

It's not about loopholes—it’s about knowing and following the rules better than your competitors.

📍Resources Mentioned:

ClaimLinx Website – Schedule your free consultation

Edward A. Lyon's Website – Learn more about strategic tax planning

🧠 Who Should Listen:

Business owners with 2–200+ employees

CFOs or controllers managing bloated benefit budgets

CPAs or tax professionals looking for added value for clients

HR managers wanting to offer better benefits on smaller budgets

📞 Ready to Save?

Visit www.claimlinx.com to schedule a 15-minute consultation. Tom and his team will show you how much you're overpaying and how to legally keep more of your money.

🎤 Hosted by:

Neil Haley and Tom Quigley, CEO of ClaimLinx

📢 Produced by:

The Neil Haley Show + ClaimLinx Cutting Edge Benefits Podcast

🔖 Tags:

#HealthInsurance #TaxSavings #SmallBusinessBenefits #MERP #Section105 #ClaimLinx #EdLyon #StrategicBenefits #HSA #EmployeeBenefits #HealthcareCosts #TaxCode #BusinessTaxStrategy #IRSCompliance