How to Audit Your Health Plan Like a CFO

In this episode of the Cutting Edge Benefits Podcast, host Tom Quigley of ClaimLinx and co-host Neil Haley break down exactly how to analyze your company’s health plan like a CFO—with cold, hard numbers and a strategic mindset.Whether you’re a C-suite executive, a fractional CFO, or a business owner trying to get control of rising healthcare costs, this episode provides the real talk (and math) you need to see just how much you could be overpaying—and how easy it is to turn that liability into a profit-generating asset.This episode is a must-listen for anyone who wants to stop throwing money away and start auditing their health plan with the same scrutiny they bring to every other business expense.✅ Why CFOs Should Be Leading the Health Plan ConversationTom shares how many mid-sized companies (50–500 employees) leave health plan decisions to HR—when CFOs are the ones who understand the math and should be driving the strategy.✅ How to Shift Health Premiums from Expense to AssetIf a company is spending $100,000 too much on health insurance, Tom explains how that savings can be reallocated as a financial asset—contributing to EBITDA and improving business valuation.✅ The Power of a Free Health Plan AuditClaimLinx performs quick, number-driven audits that show companies how much they’re losing—and how much they could save. One client saved $60,000 with just 22 employees after Tom helped them unlock tax breaks they didn’t know they qualified for.✅ Why Most Brokers Fail CFOs and Business OwnersTom exposes the truth behind insurance brokers:They pitch the same overpriced options year after year.They’re incentivized by commissions, not your bottom line.They rarely optimize for ACA subsidies, Section 105 reimbursements, or prescription rebate programs.✅ The Data Doesn’t LieTom walks through key stats:Only 8% of people under 65 hit a $5,000 deductible annually.More than half of those qualify for programs that reduce or eliminate out-of-pocket costs.With a proper reimbursement plan, only 4% of employees will actually “cost” the employer anything substantial.✅ Why ClaimLinx Works for Companies of All SizesWhether you have 5 or 5,000 employees, the ClaimLinx model works because it’s grounded in data, compliance, and common sense. Tom emphasizes that the savings aren’t hypothetical—they’re predictable based on 20+ years of real-world data.If you're a CFO or financial decision-maker, healthcare should be treated like every other expense: audited and optimized.Most companies are leaving money on the table—sometimes hundreds of thousands of dollars per year.ClaimLinx isn’t about selling insurance—it’s about fixing the structure of how you buy it.With the right guidance, businesses can reduce costs by 30–60% without sacrificing employee benefits.“Most CFOs love numbers—but they’re not allowed to make the call on benefits. That needs to change.” – Tom Quigley“Only 8% of people under 65 hit a $5,000 deductible. Insurance companies want you to think it’s 100%.” – Tom Quigley“It’s just math. But the system is built on keeping people confused.” – Tom Quigley👉 Visit ClaimLinx.com📞 Schedule a free consultation🔍 In This Episode:🎯 Key Takeaways:📣 Notable Quotes:📍 Ready to Audit Your Health Plan Like a CFO?