Alternative Health Insurance Solutions

Reduce your group healthcare costs by providing various employee groups — such as part-time or Medicare-eligible employees — with a choice of healthcare plans through a personalized enrollment experience.

Gallagher's Alternative Health Insurance Solutions team offers a comprehensive suite of solutions to address individual and group benefits challenges that organizations of all sizes face. We tailor our strategy to the specific needs of each workforce, helping employers and employees make informed health plan and insurance choices through education and personalized insights, fostering smarter strategies, reduced costs and stronger retention.

We understand employers' needs and provide customized solutions that reduce risk, decrease benefits costs and offer employees health plans that best meet their diverse needs. Our no-cost consulting services are designed to benefit clients with:

Employees eligible for — or aging into — Medicare
Retiree populations
Employees with health coverage through the Consolidated Omnibus Budget Reconciliation Act (COBRA)
An interest in exploring Individual Coverage Health Reimbursement Arrangements (ICHRAs)
Employees not eligible for benefits

Align your people strategy with your overall business goals

Our comprehensive approach to benefits, compensation, retirement, employee communication and workplace culture connects your employee wellbeing strategy with your company's overall business objectives. Our skilled advisors — who span all 50 states and provide hands-on advisory solutions and educational materials — specialize in:

No-cost health-plan consulting
Major medical/Affordable Care Act (ACA) plans
Short-term medical plans
Individual and family health insurance
Medicare Advantage and Medicare Supplement plans
Dental, vision and hearing insurance
Critical care insurance
Hospital indemnity insurance
Supplemental insurance
Life insurance

We offer a distinctive blend of data, technology and relationship building to serve the unique needs of your company and your workforce. Our process is centered on:

Data

We deliver a unique combination of proprietary data, analytics and hands-on consulting to help you design optimized strategies with cost-saving solutions, advanced plan designs, and vendor insights.

Technology

We develop customized technical solutions — such as websites and digital platforms — to track opportunities, enhance engagement and ensure real-time followup. Our tools streamline processes, integrating data seamlessly to support informed decision-making.

Trust

We emphasize empathy and a client-first approach. By cultivating relationships and optimizing our solutions, we aim to satisfy the needs of your organization, your employees and their families. You and your team can trust us to be there when it matters most.

Alternative health insurance strategies for an enhanced experience

To attract, retain and engage your workforce, we provide a carrier-agnostic approach that ensures unbiased recommendations based on factors such as coverage options, cost-effectiveness and customer service.

We have access to all private federal and state marketplace plans, so if there's an affordable alternative health insurance solution that better fits a situation, we'll educate employees on those alternatives and walk them through the enrollment process. Solutions include:

Individual and family health plans

The types of benefits that employees want and need can vary widely, depending on their generation, age and stage in life. We'll help you customize health plan offerings that go beyond a limited set of options, catering to the diverse needs of five generations of workers.

Offering a variety of alternative health insurance plans not only empowers your employees to make informed, strategic decisions about their health care, it helps make you a more competitive employer.

If you're an individual looking for health insurance, check out findtheplan.com or call us at (888) 861-8488.

Individual Coverage Health Reimbursement Arrangements

An alternative to traditional group coverage, an ICHRA can control your healthcare spend and give your employees more health plan options by providing a pre-tax, defined contribution that allows employees to purchase their preferred health plan on the individual market.

An ICHRA eases your administrative burden, keeps benefit coverage compliant and helps you attract and retain top talent.

Medicare

Support your employees who are eligible for or transitioning into Medicare by connecting them with our experienced, licensed advisors. We'll help simplify the often challenging and intimidating process, allowing individuals to confidently choose a plan that meets their needs and budget.

If you're an individual looking for Medicare health insurance, check out findtheplan.com or call us at (888) 861-8488.

A client-centric approach to help you have a confident future

Our goal is to advise and support employers and employees in finding more affordable health insurance alternatives that meet their individual needs — and to do it by simplifying and humanizing the process so it's easily understandable and centers on you. Because when you succeed, we succeed.