Gallagher vs Marsh 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.

Marsh McLennan Agency (MMA) is an employee benefits consulting and brokerage practice: it says it helps translate a client's business goals into a benefits plan, negotiates with carriers, and does not itself insure the plans it places. ¹¹Company-reported. MMA employee health and benefits page.

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 reviewed page does not name a specific health or benefits carrier; MMA describes its role as negotiating with multiple carriers on a client's behalf rather than underwriting plans itself. ¹¹Not publicly disclosed. MMA employee health and benefits page as read 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.

Not described in the reviewed sources.

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.

MMA lists group health, absence/disability/life insurance, voluntary benefits and stop-loss solutions for self-funded employers among the programs it helps design and place, alongside non-insurance services like compliance support and pharmacy benefit consulting. ¹¹Company-reported. MMA employee health and benefits page, Our Solutions section; a catalogue of services, not a specific plan's terms.

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.

Not described in the reviewed sources.

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.

MMA lists a range of services beyond placement, including actuarial services to measure financial exposure, compliance support and oversight from its legal team, HR technology consulting, and Captive Solutions, an alternative risk tool MMA says limits stop-loss policy volatility for its clients. ¹¹Company-reported. MMA employee health and benefits page, Our Solutions section.

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.

MMA says its consultants assess a client's business, cross-reference employee demographics and survey data, and match needs and budget to a range of market plans during plan design; the page describes an advisor-led process rather than an online quote. ¹¹Company-reported. MMA employee health and benefits page, What does an employee benefits consultant do? FAQ.