Cracking the Code on Healthcare Savings with Tom Quigley of ClaimLinx

In this powerful episode, Kelly Springer welcomes healthcare strategist Tom Quigley to explain how small businesses can offer better health benefits at a lower cost using Section 105 of the IRS tax code. Tom shares how ClaimLinx helps businesses restructure their benefits plans to save thousands—sometimes millions—of dollars annually while still offering premium coverage. From medical reimbursement plans to wellness program integration, this conversation is a must-listen for business owners, HR leaders, and health professionals.

• What is ClaimLinx?: A third-party administrator helping small businesses leverage IRS Section 105 to restructure employee benefits

• The Origin Story: Founded in a basement during a Ravens Super Bowl party with a mission to fix a broken system

• How it Works: Pairing low-cost, high-deductible insurance with customizable tax-free medical reimbursement plans

• Real Results: Some businesses have saved $20 million+ collectively; one client now saves over $1.3 million annually

• Custom Wellness Support: Businesses can fund nutrition, wellness, and fitness programs for employees tax-free

• Breaking Myths: Explaining why the fear of “Obamacare” is misplaced and how individual market plans often beat group health

• Who Gets Paid?: Revealing the flawed incentive structure of traditional insurance brokers vs. transparent savings-based billing

• The Power of the Math: Tom’s straightforward approach—just run the numbers

• Why Self-Insured Doesn’t Mean Self-Funded: Understanding pre-existing condition risks and how to reduce exposure

• GLP-1 & Weight Loss Meds: How businesses can support prescriptions through compliant reimbursement structures

• Dental, Disability & Life Coverage: What should matter most when choosing benefits

• HSA and FSA Insights: How employees can use pre-tax dollars wisely (and why you should keep your receipts!)

• Kelly’s Key Takeaway: ClaimLinx offers a win-win for employers and employees—better benefits, lower cost, greater access to wellness services like dietitian-led programs

• ClaimLinx: www.claimlinx.com

• Learn how your business can restructure benefits using Section 105

• Ideal for companies with <50 employees, high premiums, or self-funded wellness programs

The New Weight Loss Era by Kelly Springer
Explore how to naturally regulate GLP-1, balance hormones, and improve health through nutrition
📖 Available on Amazon or at kellyschoice.org

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