With just 21 days left on the clock, Tom Quigley dives headfirst into the reality many Americans are now waking up to: enhanced ACA subsidies are gone, the income cliff is back, and 2026 is shaping up to be a brutal year for anyone relying on the Affordable Care Act. In this raw, unscripted conversation, Tom and Neil break down what’s actually happening (and what isn’t), why people are shocked by 300–400% premium increases, and why millions of Americans are suddenly forced to choose between overpriced insurance or rolling the dice uninsured. Tom doesn’t sugarcoat it. This episode is about risk, reality, and consequences—and why the government’s failure to act now will ripple through the economy, healthcare system, and middle class in 2026.
Watch This Weeks Episodes Below
The Subsidy Cliff Is Back: What the End of Enhanced ACA Subsidies Means for 2026
Also this week:
This episode pulls back the curtain on what actually makes ClaimLinx work—not just the strategy, but the people. For the first time, listeners meet Chelsea and Emily, two of the field service managers who travel across the country educating employers and employees on how to use the ClaimLinx solution in real life. This conversation makes one thing crystal clear: ClaimLinx isn’t just a cost-saving model — it’s an advocacy system. Tom explains why service is the backbone of the company, while Chelsea and Emily walk through what happens after a business signs on: the calls, the questions, the pharmacy issues, the doctor confusion, the claims problems — and how ClaimLinx solves what traditional insurance never does. This episode is all about education, advocacy, and real human support in a healthcare system that is anything but human.
Inside ClaimLinx: How Elite Service Turns Confusing Benefits into Real Savings
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.
