In this episode of the Cutting Edge Benefits Podcast, Tom Quigley of ClaimLinx explains why most employer health plan renewals are not negotiated at all—they are calculated months in advance by underwriting algorithms using projected trends and risk models. Tom breaks down how the renewal system works, why employers rarely see the real data behind their rate increases, and what businesses can do if they want to escape the cycle of rising healthcare costs.
Watch This Weeks Episodes Below
Your Health Plan Renewal Isn’t Negotiated — It’s Calculated
Also this week:
Many employers believe healthcare costs rise because employees are using their benefits too often. But what happens when claims are low, employees barely use the plan, and premiums still increase by 8–12% every year? In this episode of the Cutting Edge Benefits Podcast, Tom Quigley of ClaimLinx explains why health insurance premiums often rise even in years when utilization is minimal.
Tom dives into the real drivers behind rising healthcare costs, including medical trend calculations, risk pool structures, pharmaceutical pricing, and hospital consolidation. Most importantly, he explains what employers can actually control—and how businesses can break out of the traditional insurance model that continues to increase costs year after year.
Why Your Health Plan Gets More Expensive Even When No One Uses It
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.
