Gallagher vs Newfront 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.

Newfront's Total Rewards practice helps employers design, fund and administer employee health-benefit programs. It works with payroll, people-operations and benefit administrators, technical consultants, and compliance officers and ERISA attorneys, rather than issuing the underlying health plan itself. ⁸Company-reported. Total Rewards page, Service Excellence section.

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 Total Rewards pages describe funding arrangements (fully insured, level-funded, self-funded or captive) in general terms and do not name a specific health insurer or stop-loss carrier for a given plan. ¹¹Not publicly disclosed. Strategic Planning page, Funding Approach section; funding type is a structure, not a named carrier.

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.

Newfront says its Total Rewards practice serves clients "from start-ups to enterprise," without a stated minimum group size for employee health-benefit design. ⁸Company-reported. Total Rewards page, Comprehensive Expertise section.

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.

Newfront's Strategic Planning team evaluates fully insured, level-funded, self-funded and captive funding arrangements for health benefits, and works on stop-loss program design and pharmacy-benefit contract management, including strategies for high-impact drug categories. ¹¹Company-reported. Strategic Planning page, Funding Approach and Pharmacy Solutions sections; advisory scope, not a named health plan design.

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.

Newfront offers benchmarking reports on benefits by company size and industry, disease-management consulting (preventive care, early detection and centers of excellence), and data analytics and actuarial services that forecast future claims costs, including incurred-but-not-reported (IBNR) estimates. ¹¹Company-reported. Strategic Planning page, Benchmarking, Disease Management & Risk Mitigation, and Data Analytics & Actuarial Services 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.

You engage Newfront's Total Rewards practice by requesting a consultation through its Total Rewards or Strategic Planning pages. ⁸Company-reported. Page calls-to-action; no online quoting or enrollment described.

Not described in the reviewed sources.

The reviewed Total Rewards and Strategic Planning pages describe claims data being used for benchmarking and cost forecasting, but do not describe a member-facing claims-assistance or appeals process for employee health-benefit plans. ^8,11Not found in reviewed sources. Both pages as read on 2026-09-23; "claims" here refers to analytics inputs, not a described advocacy service.