---
title: "Gallagher vs HUB International Employee Health Benefits"
description: "Gallagher Small Business advises ICHRA; HUB consults on group cost management, pharmacy benefits and industry-specific plan design."
canonical: "https://spot.insure/compare/gallagher-vs-hub-international/employee-health-benefits"
page-type: "line-comparison"
updated-at: "2026-09-23"
---
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# Gallagher vs HUB International Employee Health Benefits
Gallagher Small Business advises ICHRA; HUB consults on group cost management, pharmacy benefits and industry-specific plan design.
## Research Scope and Use
Use this comparison to evaluate Gallagher and HUB International for Employee Health Benefits against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.
## Summary
Gallagher Small Business advises employers on ICHRA, where a fixed allowance reimburses employees who buy individual-market plans with no minimum participation. HUB International brokers and consults on employee benefits across many industries, describing actuarial consulting, pharmacy benefits management, absence management and workforce technology. [6](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") [10](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services")
## What Is Gallagher?
Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")
[Gallagher profile](https://spot.insure/insurance-providers/gallagher)
## What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [7](https://www.hubinternational.com/about-us/ "About Us") [8](https://www.hubinternational.com/contact-us/ "Contact Us") [9](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")
[HUB International profile](https://spot.insure/insurance-providers/hub-international)
## What Are Employee Health Benefits?
Employee health benefits help eligible employees pay for medical care through an employer-sponsored plan or arrangement. [11](https://www.cms.gov/files/document/nsa-health-insurance-basics.pdf "Health Insurance Basics") [12](https://www.healthcare.gov/small-businesses/learn-more/ "Health Insurance for Businesses")
## Key Differences in Employee Health Benefits
### Individual-Market Allowances Versus Group Consulting
Gallagher Small Business and HUB both advise rather than issue health coverage. Gallagher’s reviewed offering is ICHRA: the employer sets a monthly reimbursement, employees buy their own individual plans, and Gallagher says there is no minimum participation requirement. HUB brokers and consults on employee health and benefits programs, offering cost management, plan design and employee-engagement services around placed coverage, and markets across 14 featured industries plus 30-plus additional sectors. [6](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") [10](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services")
### What Each Practice Says It Does After You Engage
Gallagher says its team keeps employers compliant with state and federal ICHRA regulations and reduces time spent evaluating a group plan, and that contributions can be tax-deductible with tax-free employee reimbursements. HUB says it helps manage costs through multi-year cost-driver planning, absence management, actuarial and financial consulting, healthcare cost management, pharmacy benefits management and compliance support, and personalizes plans through analytics, retirement, executive and global benefits, voluntary benefits and workforce technology. Gallagher’s ICHRA page does not describe PBM or actuarial consulting; HUB’s page does not describe ICHRA. [6](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") [10](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services")
### How You Reach Someone
Gallagher uses a Connect With An Advisor form that asks for company details, contact information and state. HUB directs prospects to talk to an employee benefits broker rather than an online quote. Neither reviewed page names the issuing health insurer for a given employee’s coverage. [6](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") [10](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services")
## What to Confirm in Employee Health Benefits Quotes
- Ask whether the comparison is Gallagher ICHRA versus a HUB-placed group (or global) program, not two ICHRA quotes. [6](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") [10](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services")
- Confirm HUB’s industry specialists for your sector and Gallagher’s employee-class allowance design. [10](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [6](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA")
- Check whether PBM, absence management and actuarial work are in HUB’s scope; Gallagher’s ICHRA page does not list them. [10](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [6](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA")
- Get the allowance amount Gallagher would model and the group participation rules HUB’s carriers would apply. [6](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") [10](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services")
## Offering Details
| Criteria | Gallagher Small Business Alternative Health Insurance (ICHRA) Solutions | HUB International Employee Benefits Brokerage and Consulting |
| --- | --- | --- |
| Role in This Line | 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. [6](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") (Evidence: Company-reported; scope: 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. [10](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Employee benefits product page, read 2026-09-23. The page does not name an issuing insurer..) |
| 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. [6](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") (Evidence: Not publicly disclosed; scope: 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. [10](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Not found in reviewed sources; scope: Checked the employee-benefits product page on 2026-09-23..) |
| Who It’s For | 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. [6](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") (Evidence: Company-reported; scope: 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. [10](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Product-page industry list; not a published underwriting appetite or size threshold..) |
| Coverage Features | 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. [6](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") (Evidence: Company-reported; scope: 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. [6](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") (Evidence: Company-reported; scope: Product page comparison table..) | Not described in the reviewed sources. |
| Limits and Retentions | The ICHRA page does not publish a recommended or typical monthly allowance amount; it says the allowance is fixed by the employer. [6](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") (Evidence: Not publicly disclosed; scope: 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. [10](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Not publicly disclosed; scope: 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..) |
| Risk Services | 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. [6](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") (Evidence: Company-reported; scope: 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. [10](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: 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. [10](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Product-page "Personalize Benefits" and "Engage Your People" sections..) |
| How to Apply | Gallagher routes interested employers to a Connect With An Advisor form asking for company details, contact information and state. [6](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") (Evidence: Company-reported; scope: 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. [10](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Product-page call to action..) |
## Full Comparison
- [Gallagher vs HUB International](https://spot.insure/compare/gallagher-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Are Employee Health Benefits?](https://spot.insure/coverage/employee-health-benefits): Employee health benefits help your team pay for medical care through an employer-sponsored plan or arrangement.
- [Gallagher vs HUB International Business Owner’s Policy](https://spot.insure/compare/gallagher-vs-hub-international/business-owners-policy)
- [Gallagher vs HUB International Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-hub-international/commercial-auto)
- [Gallagher vs HUB International Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-hub-international/commercial-property)
- [Gallagher vs HUB International Crime Insurance](https://spot.insure/compare/gallagher-vs-hub-international/crime)
- [Gallagher vs HUB International Cyber Insurance](https://spot.insure/compare/gallagher-vs-hub-international/cyber)
- [Gallagher vs HUB International D&O Insurance](https://spot.insure/compare/gallagher-vs-hub-international/directors-officers)
- [Gallagher vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-hub-international/employment-practices)
- [Gallagher vs HUB International Fidelity Bonds](https://spot.insure/compare/gallagher-vs-hub-international/fidelity-bonds)
- [Gallagher vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-hub-international/fiduciary)
- [Gallagher vs HUB International General Liability Insurance](https://spot.insure/compare/gallagher-vs-hub-international/general-liability)
- [Gallagher vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/gallagher-vs-hub-international/kidnap-ransom)
- [Gallagher vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-hub-international/professional-errors-omissions)
- [Gallagher vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/gallagher-vs-hub-international/representations-warranties)
- [Gallagher vs HUB International Surety Bonds](https://spot.insure/compare/gallagher-vs-hub-international/surety-bonds)
- [Gallagher vs HUB International Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-hub-international/technology-errors-omissions)
- [Gallagher vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-hub-international/umbrella-excess)
- [Gallagher vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-hub-international/workers-compensation)
- [Founder Shield vs Gallagher Employee Health Benefits](https://spot.insure/compare/foundershield-vs-gallagher/employee-health-benefits)
- [Founder Shield vs HUB International Employee Health Benefits](https://spot.insure/compare/foundershield-vs-hub-international/employee-health-benefits)
- [Gallagher vs Heffernan Insurance Brokers Employee Health Benefits](https://spot.insure/compare/gallagher-vs-heffernan/employee-health-benefits)
- [Gallagher vs Lockton Employee Health Benefits](https://spot.insure/compare/gallagher-vs-lockton/employee-health-benefits)
- [Gallagher vs Marsh Employee Health Benefits](https://spot.insure/compare/gallagher-vs-marsh/employee-health-benefits)
- [Gallagher vs Mylo Employee Health Benefits](https://spot.insure/compare/gallagher-vs-mylo/employee-health-benefits)
## Sources
### Gallagher
1. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
5. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
6. [Alternative Health Insurance & ICHRA](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/). Gallagher Small Business; Alternative health insurance and ICHRA overview; ICHRA benefits for employers; ICHRA vs. Traditional Group Health Plans comparison table; Let's build a better benefits strategy together; Connect With An Advisor form. Accessed 2026-09-23.
### HUB International
7. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
8. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
9. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
10. [Employee Benefits Brokers and Consulting Services](https://www.hubinternational.com/products/employee-benefits/). HUB International; An Employee Benefits Broker for Changing Times; Manage Costs, Personalize Benefits, Engage Your People sections; featured and additional industry list; Talk to an Employee Benefits Broker call to action. Accessed 2026-09-23.
### Employee Health Benefits Guide
11. [Health Insurance Basics](https://www.cms.gov/files/document/nsa-health-insurance-basics.pdf). Centers for Medicare & Medicaid Services; PDF p.1: What is health insurance? What is a health insurance plan?; PDF p.2: Self-Insured Employer Plans vs. Fully-Insured Plans. Accessed 2026-09-16.
12. [Health Insurance for Businesses](https://www.healthcare.gov/small-businesses/learn-more/). HealthCare.gov / CMS; Group health insurance coverage; Health reimbursement arrangements. Accessed 2026-09-16.
Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.
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