Gallagher Employee Health Benefits
Gallagher advises employers on individual coverage health reimbursement arrangements (ICHRAs), where employees pick their own health plan using a fixed monthly allowance.
What Is Gallagher’s Role in 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. 1Small-business alternative health insurance and ICHRA product page.
Who Issues Gallagher Employee Health Benefits?
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. 1Checked the small-business ICHRA product page on 2026-09-23.
Who Is Gallagher Employee Health Benefits 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. 1Product page comparison table.
Coverage Features of Gallagher Employee Health Benefits
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. 1Product 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. 1Product page comparison table.
Gallagher Employee Health Benefits 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. 1Checked the small-business ICHRA product page on 2026-09-23.
What Risk Services Come With Gallagher Employee Health Benefits?
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. 1Product page "ICHRA benefits for employers" section.
How Do You Apply for Gallagher Employee Health Benefits?
Gallagher routes interested employers to a Connect With An Advisor form asking for company details, contact information and state. 1Product page inquiry form, inspected without submission.
