Often pitched as a modern, flexible alternative to group health insurance, ICHRAs are being sold to employers as a cost-saving “game changer.” Tom explains why, in reality, many employers are being steered into ICHRAs not because they’re better — but because agents and vendors are running out of traditional solutions. This is a straight-talk breakdown of how ICHRAs work, why they’re exploding in popularity, where they can make sense, and why a properly designed Medical Expense Reimbursement Plan (MERP) almost always wins.
Watch This Weeks Episodes Below
ICHRA Explained: Why the “Employer Healthcare Game Changer” Often Misses the Mark
Also this week:
This episode tackles one of the most misunderstood—and financially painful—moments in healthcare: COBRA coverage. Tom Quigley explains why that official-looking COBRA letter often becomes the single most expensive piece of mail someone will ever open, and why most people panic, overpay, and make the wrong decision simply because no one ever explained their options. The takeaway is simple and powerful: COBRA is not automatic, not mandatory, and very rarely the best first move. If you understand the timing and the math, you can protect yourself without lighting money on fire.
COBRA: The Most Expensive Letter You’ll Ever Get
Stay in the Know
Visit ClaimLinx.com Schedule a free consultation with Tom, or a member of the ClaimLinx team. Discover how to reduce your premiums, improve your benefits, and finally take control Subscribe to the Cutting Edge Benefits Podcast on Apple Podcasts, Spotify, and YouTube for more no-nonsense conversations on how to fix your health benefits and save your company money—fast.
If you’re a business owner, HR leader, or employee frustrated with rising premiums and watered-down coverage, this conversation will completely change how you look at group health insurance.
