Gallagher Employee Health Benefits
Gallagher Small Business Alternative Health Insurance (ICHRA) Solutions
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. 1Company-reported. Small-business alternative health insurance and ICHRA product page.
Issuing Insurer
Not publicly disclosed. 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 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. 1Company-reported. Product page comparison table.
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. 1Company-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. 1Company-reported. Product page comparison table.
Limits and Retentions
Not publicly disclosed. 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.
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. 1Company-reported. Product page "ICHRA benefits for employers" section.
How to Apply
Gallagher routes interested employers to a Connect With An Advisor form asking for company details, contact information and state. 1Company-reported. Product page inquiry form, inspected without submission.
Gallagher Employee Health Benefits Compared
Other Gallagher Coverage Lines
Sources
- Alternative Health Insurance & ICHRA. 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.
