In this direct, no-filter conversation, Tom Quigley tackles the question dominating American households, employers, and policymakers right now: Will the enhanced ACA subsidies sunset — or will politicians cave and extend them? Tom breaks down the math, the politics, the corruption, and the sheer incompetence swirling in Washington as lawmakers try to figure out what the hell to do with a healthcare system on the brink of collapse. He doesn’t hold back, calling out both parties, the lobbyists, the insurance companies, and the total lack of understanding lawmakers have about how insurance actually works. This episode is Tom at full force: blunt, sharp, and brutally honest — dropping insight after insight on how subsidies interact with employer insurance, why the math is being ignored, and how the entire debate is based on false assumptions about what consumers understand (spoiler: they don’t).
Watch This Weeks Episodes Below
Will the Subsidies Sunset? The Political Tug-of-War That Could Reshape 2026 Healthcare
Also this week:
The entire marketplace is in upheaval — open enrollment is a disaster, premiums are skyrocketing, networks are shrinking, and millions of people suddenly can’t afford coverage. Tom and Amber break down real alternatives for both individuals and employers, especially people who are healthy, priced out of the ACA marketplace, and sick of fighting with insurance companies and corrupt state departments of insurance. Amber brings solutions for 40 out of 50 states, while Tom exposes why the system is collapsing — and why employers absolutely must pivot or face financial ruin in 2026. This episode blends hard truth, practical solutions, and Tom’s classic “tell it straight” commentary — plus a few jokes about monkeys, Chicago, Wheaton, and why no one under 30 wants to leave their house anymore.
The 2026 Healthcare Panic Button: New Alternatives for Individuals & Employers (Feat. Amber Krauza)
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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.
