Stop Buying Insurance Like It’s 1998: Modernizing Your Health Plan in 2026

In this episode, Tom Quigley of ClaimLinx delivers a wake-up call to employers still buying health insurance with outdated strategies. If your company is stuck in the 1990s mindset—high premiums, minimal customization, and cookie-cutter plans—then you're bleeding cash. Tom explains how modern 2026 health plan design leverages Section 105 tax law, medical expense reimbursement plans (MERPs), and a fully customized approach to cut costs while improving employee benefits.He breaks down what today’s smartest employers are doing instead—and why relying on commission-based brokers is one of the costliest mistakes businesses continue to make.🧠 Most businesses still buy health insurance like it’s 1998—despite decades of regulatory and technology shifts.📉 You can save 30–60% by buying the lowest-cost group option and using MERPs to fill in the gaps.🤯 Brokers are incentivized to keep your premiums high because they earn a percentage of what you pay.🧾 Section 105 allows you to self-fund benefits tax-free and offer better plans to employees without overpaying insurers.🔥 Employers should stop handing off benefits decisions to HR—this is a finance-level strategic decision that affects EBITDA.🕒 There’s still time to implement smarter 2026 benefits before December 31st, but most companies wait too long.“We’re not solving world peace—we’re solving a health insurance crisis that doesn’t actually exist. You’re just being ripped off.”— Tom Quigley“If you're working harder and making less, it’s because your business is paying 1998 prices in a 2026 market.”— Tom QuigleySmall and mid-sized business ownersCFOs and controllersHR directors ready to rethink open enrollmentEntrepreneurs tired of skyrocketing healthcare costsSelf-employed individuals shopping for better optionsVisit ClaimLinx.com to schedule a strategy call with Tom and his team.Spotify | Apple Podcasts | Google Podcasts | Amazon | iHeartRadio💥 Key Takeaways:💡 Notable Quotes:👥 Who This Episode Is For:📞 Ready to Modernize Your Health Plan?🎧 Available On: