Gallagher vs USI Insurance Services 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.

USI does not underwrite health plans. It is a benefits consultant and broker that helps employers design, price and manage group benefit programs and negotiate with carriers on their behalf. ¹⁰Company-reported. USI's Employee Benefits practice 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 Employee Benefits page does not name the carriers USI places employer health plans with; it describes negotiating pricing and terms with carriers rather than acting as one. ¹⁰Not publicly disclosed. 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.

USI markets this practice to employers generally, without publishing a minimum group size or industry restriction on the page reviewed. ¹⁰Not publicly disclosed. Employee Benefits practice page; no eligibility screen stated.

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.

USI lists underwriting and insurance analytics, HR administration platforms, population health management, compliance and healthcare-reform guidance, healthcare cost management, pharmacy benefit consulting and ancillary benefit consulting as parts of its benefits practice. ¹⁰Company-reported. Page's list of practice components; a specific employer's plan design is set in a proposal, not on this page.

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.

USI says its Employee Benefits network includes consultants, local and regional account managers, healthcare underwriters, business analysts, compliance/ERISA attorneys, wellness directors, pharmacy consultants and claims experts who use its USI ONE analytics process to design plans and negotiate pricing. ¹⁰Company-reported. Company description of staffing and process; outcomes are not independently verified.

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.

USI directs employers interested in this practice to email EBsolutions@usi.com or contact a local USI office. ¹⁰Company-reported. Contact instructions on the Employee Benefits page.