AIG vs Gallagher: How Do They Compare for Employee Health Benefits?

AIG markets Medical Indemnity as a supplemental group health insurance product through its Accident & Health Corporate Risk channel. It complements employer health benefits and does not replace major medical coverage by default. ³Company-reported. Role in this product is limited to the description on the linked AIG source.

Gallagher Small Business advises employers on setting up an Individual Coverage Health Reimbursement Arrangement (ICHRA) and provides one-on-one consulting to employees shopping the individual health insurance marketplace; Gallagher does not issue health coverage itself under this offering. ⁹Company-reported. Small-business alternative health insurance and ICHRA product page.

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The ICHRA page does not name a specific health insurer or marketplace plan; ICHRA lets employees choose their own individual-market plan rather than one plan selected by Gallagher. ⁹Not publicly disclosed. Checked the small-business ICHRA product page on 2026-09-23.

AIG describes an employer-group supplemental health plan with contributory, voluntary and fully employer-paid options. It is not a comprehensive medical plan catalogue, and the page does not state a complete employer or state eligibility schedule. ³Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.

Gallagher says ICHRA has no minimum participation requirement and can be customized by employee class (for example full-time, part-time or remote), unlike a group health plan that often requires a minimum enrollment percentage. ⁹Company-reported. Product page comparison table.

AIG describes supplemental benefits tied to covered diagnostic conditions and says benefits are not contingent on accident or hospitalization. It lists more than 13,000 covered conditions on the page; policy definitions and exclusions control. ³Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.

Gallagher describes ICHRA as letting an employer set a fixed monthly reimbursement allowance while employees choose and buy their own individual health plan, contrasted against a traditional group health plan where the employer selects one or a few plans for everyone. ⁹Company-reported. Product page comparison table; a structural description of ICHRA, not a specific plan's terms.

Gallagher says employer ICHRA contributions are tax-deductible and reimbursements are tax-free for employees, and that a properly designed ICHRA can meet the ACA employer mandate. ⁹Company-reported. Product page comparison table.

The public product page does not provide the plan schedule or benefit amounts for a particular employer. Confirm amounts, covered conditions and state availability in the employer’s issued certificate and policy. ³Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.

The ICHRA page does not publish a recommended or typical monthly allowance amount; it says the allowance is fixed by the employer. ⁹Not publicly disclosed. Checked the small-business ICHRA product page on 2026-09-23.

AIG describes a paperless employer portal, claims integration through partner Ansel and a self-submitted claim process with a benefit determination target within 72 hours after a completed claim. Partner claim integration is not a coverage guarantee. ³Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.

Gallagher says its team keeps employers compliant with state and federal ICHRA regulations and reduces the administrative time a business spends evaluating, managing and selecting a health plan compared with a group plan. ⁹Company-reported. Product page "ICHRA benefits for employers" section.

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Gallagher routes interested employers to a Connect With An Advisor form asking for company details, contact information and state. ⁹Company-reported. Product page inquiry form, inspected without submission.