Gallagher vs HUB International Employee Health Benefits

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. ⁶Company-reported. Small-business alternative health insurance and ICHRA product page.

HUB brokers and consults on employee health and benefits programs rather than insuring them itself, offering cost management, plan design and employee-engagement services around the placed coverage. ¹⁰Company-reported. Employee benefits product page, read 2026-09-23. The page does not name an issuing insurer.

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. ⁶Not publicly disclosed. Checked the small-business ICHRA product page on 2026-09-23.

The employee-benefits product page does not name specific insurers or carriers; the issuing carrier for a benefits program depends on the placement. ¹⁰Not found in reviewed sources. Checked the employee-benefits product page on 2026-09-23.

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. ⁶Company-reported. Product page comparison table.

HUB markets employee-benefits brokerage to organizations of varying sizes across a wide range of industries, listing 14 featured sectors such as construction, education, healthcare, hospitality, life sciences and technology, plus 30-plus additional sectors. ¹⁰Company-reported. Product-page industry list; not a published underwriting appetite or size threshold.

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. ⁶Company-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. ⁶Company-reported. Product page comparison table.

Not described in the reviewed sources.

The ICHRA page does not publish a recommended or typical monthly allowance amount; it says the allowance is fixed by the employer. ⁶Not publicly disclosed. Checked the small-business ICHRA product page on 2026-09-23.

No published pricing, plan minimums or funding thresholds for HUB-brokered employee-benefits programs were found on the product page. ¹⁰Not publicly disclosed. Checked the employee-benefits product page on 2026-09-23; premiums and plan terms depend on the employer's census and the carrier's underwriting.

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. ⁶Company-reported. Product page "ICHRA benefits for employers" section.

HUB says it helps employers manage benefits costs through multi-year cost-driver planning, absence management, actuarial and financial consulting, healthcare cost management, pharmacy benefits management and compliance support. ¹⁰Company-reported. Product-page "Manage Costs" section.

HUB says it personalizes benefit plans through benefits analytics, employee retirement plans, executive and global benefits, voluntary benefits and strategic benefits planning, and helps engage employees through benefits communication, health and performance programs, and workforce technology tools. ¹⁰Company-reported. Product-page "Personalize Benefits" and "Engage Your People" sections.

Gallagher routes interested employers to a Connect With An Advisor form asking for company details, contact information and state. ⁶Company-reported. Product page inquiry form, inspected without submission.

HUB directs prospects to "Talk to an Employee Benefits Broker" rather than an online quote or enrollment flow on this page. ¹⁰Company-reported. Product-page call to action.