--- title: "Gallagher Employee Health Benefits" description: "What Gallagher Employee Health Benefits covers, who it’s for, and how to apply, cited to Gallagher Small Business’s own published sources." canonical: "https://spot.insure/insurance-providers/gallagher/employee-health-benefits" page-type: "offering-page" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/gallagher/employee-health-benefits) # 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. [1](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") (Evidence: Company-reported; scope: 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. [1](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") (Scope: Checked 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. [1](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") (Evidence: Company-reported; scope: 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. [1](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") (Evidence: Company-reported; scope: 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. [1](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") (Evidence: Company-reported; scope: 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. [1](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") (Scope: Checked 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. [1](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") (Evidence: Company-reported; scope: 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. [1](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/ "Alternative Health Insurance & ICHRA") (Evidence: Company-reported; scope: Product page inquiry form, inspected without submission.) ## Gallagher Employee Health Benefits Compared - [Gallagher vs Founder Shield](https://spot.insure/compare/foundershield-vs-gallagher/employee-health-benefits) - [Gallagher vs Heffernan Insurance Brokers](https://spot.insure/compare/gallagher-vs-heffernan/employee-health-benefits) - [Gallagher vs HUB International](https://spot.insure/compare/gallagher-vs-hub-international/employee-health-benefits) - [Gallagher vs Lockton](https://spot.insure/compare/gallagher-vs-lockton/employee-health-benefits) - [Gallagher vs Marsh](https://spot.insure/compare/gallagher-vs-marsh/employee-health-benefits) - [Gallagher vs Mylo](https://spot.insure/compare/gallagher-vs-mylo/employee-health-benefits) ## Other Gallagher Coverage Lines - [Gallagher Business Owner’s Policy](https://spot.insure/insurance-providers/gallagher/business-owners-policy) - [Gallagher Commercial Auto Insurance](https://spot.insure/insurance-providers/gallagher/commercial-auto) - [Gallagher Commercial Property Insurance](https://spot.insure/insurance-providers/gallagher/commercial-property) - [Gallagher Crime Insurance](https://spot.insure/insurance-providers/gallagher/crime) - [Gallagher Cyber Insurance](https://spot.insure/insurance-providers/gallagher/cyber) - [Gallagher D&O Insurance](https://spot.insure/insurance-providers/gallagher/directors-officers) - [Gallagher Employment Practices Liability Insurance](https://spot.insure/insurance-providers/gallagher/employment-practices) - [Gallagher Fiduciary Liability Insurance](https://spot.insure/insurance-providers/gallagher/fiduciary) - [Gallagher General Liability Insurance](https://spot.insure/insurance-providers/gallagher/general-liability) - [Gallagher Kidnap and Ransom Insurance](https://spot.insure/insurance-providers/gallagher/kidnap-ransom) - [Gallagher Product Recall Insurance](https://spot.insure/insurance-providers/gallagher/product-recall) - [Gallagher Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/gallagher/professional-errors-omissions) - [Gallagher Representations and Warranties Insurance](https://spot.insure/insurance-providers/gallagher/representations-warranties) - [Gallagher Surety Bonds](https://spot.insure/insurance-providers/gallagher/surety-bonds) - [Gallagher Tech E&O Insurance](https://spot.insure/insurance-providers/gallagher/technology-errors-omissions) - [Gallagher Workers’ Compensation Insurance](https://spot.insure/insurance-providers/gallagher/workers-compensation) ## Related - [Gallagher Profile](https://spot.insure/insurance-providers/gallagher) - [Gallagher Reliability](https://spot.insure/insurance-providers/gallagher/reliability) - [Gallagher Alternatives](https://spot.insure/insurance-providers/gallagher/alternatives) - [Coverage Guide: Employee health and benefits](https://spot.insure/coverage/employee-health-benefits) ## Sources 1. [Alternative Health Insurance & ICHRA](https://www.gallaghersmallbusiness.com/employee-benefits-and-hr/alternative-health-insurance-solutions/). 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. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/gallagher/employee-health-benefits.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)