How One Business Owner Took Back Control of Healthcare Costs

In this episode of the Cutting Edge Benefits Podcast, host Tom Quigley welcomes longtime friend and former class president, Kevin Forgan, for a candid and powerful conversation about the true cost of healthcare for employers—and the eye-opening solution he wishes he had discovered sooner.Kevin shares his journey from taking over his father's heating oil delivery business to growing and eventually selling it after more than 25 years of successful ownership. During that time, he managed a team of 26 employees and faced the all-too-common challenge of skyrocketing health insurance premiums with little to no control.Kevin opens up about the stress and helplessness he felt as a business owner dealing with yearly increases, limited choices, and the constant dilemma of whether to reduce coverage, pass costs onto employees, or absorb the financial burden. Like many employers, he assumed there were no alternatives—until Tom introduced him to the ClaimLinx solution.Together, they discuss how ClaimLinx empowers small and mid-sized businesses to:Take back control of health benefits by defining their own risk.Use major carriers like Blue Cross and Cigna for catastrophic coverage only.Leverage tax-advantaged strategies and individual marketplace plans to offer better benefits at a fraction of the cost.Provide employees with zero-deductible plans while still saving money year after year.Turn healthcare benefits into a competitive advantage for employee recruitment and retention.Tom breaks down the math behind ClaimLinx’s model in simple terms, and Kevin explains how he now helps other companies save 50–60% or more on their healthcare costs—some seeing annual savings of $80,000 or more. They also address common misconceptions about wellness programs, insurance data, and what truly drives cost savings in today’s benefits landscape.Whether you're an employer frustrated by rising premiums, or simply someone curious about smarter healthcare solutions, this episode will shift your thinking and offer a path forward that’s both practical and powerful.Learn more and schedule a consultation at: ClaimLinx.com