LIG Solutions

What LIG Solutions does

LIG Solutions provides alternative health insurance consulting and turn-key insurance solutions, operating as a wholly-owned division within Arthur J. Gallagher & Co. (NYSE: AJG), a global insurance brokerage and risk management firm founded in 1927. The company's core offering is a no-cost consulting service that helps employers across all 50 states reduce group healthcare costs by giving employees a broader choice of health plans, including Individual Coverage Health Reimbursement Arrangements (ICHRAs), Major Medical/ACA plans, short-term medical plans, Medicare Advantage and Supplement plans, and supplemental products (dental, vision, hearing, critical care, hospital indemnity, life). It serves a horizontal customer base of employers of all sizes with diverse workforce populations — part-time workers, Medicare-eligible and aging-into-Medicare employees, retirees, COBRA participants, and employees not eligible for traditional benefits — as well as individuals via findtheplan.com.

The technology stack centers on customized digital platforms and websites that track enrollment opportunities, enhance engagement, and integrate data for real-time follow-up, supplemented by the proprietary Gallagher Drive® HR analytics platform that helps employers optimize workforce programs. The company also operates compliance consulting and employee benefits consulting services within the broader AJG ecosystem, and benefits from AJG's global operational infrastructure across the Americas, EMEA, and APAC.

The business model is consultative and sales-led, with no direct fees charged to employer or individual clients; revenue is monetized through commissions and fees received from insurance carriers and marketplace plans accessed via the carrier-agnostic distribution network. This commission-driven model aligns incentives between the advisor and the client, supports a distributed employer customer base rather than concentrated anchor accounts, and leverages AJG's institutional scale and brand to compete in the alternative health benefits advisory market.

Name

LIG Solutions

Legal name

Arthur J. Gallagher & Co.

Website

https://ligsolutions.com

Company type

Public

Founded year

1927

Operating status

Operating

Headcount range

101–250 employees

Short description

LIG Solutions provides alternative health insurance consulting and turn-key insurance solutions for employers, associations, and membership organizations across all 50 US states, operating as a division of Arthur J. Gallagher & Co. (NYSE: AJG). It delivers no-cost, carrier-agnostic advisory on ICHRAs, ACA plans, Medicare, and supplemental products.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Benefits Consulting

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Services-Management Consulting Services (8742), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

akta.pro secondary industries

Small Group Health Insurance (2–50/100) (FSAIAFAD), Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE), Benefits, Insurance & Entitlement Navigation (Medicare/Medicaid/VA/LTC) (HSABAIAG)

Keywords

• Turn-key insurance solutions
• Association insurance programs
• Membership organization benefits
• Alternative health insurance
• Employee benefits consulting

Headquarters

HQ city

Independence

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. No-cost Consulting Services: The company offers no-cost consulting services to employers and employees. Advisory services are provided at no charge, likely monetized through commissions or fees received from insurance carriers and marketplace plans rather than direct client charges.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

LIG Solutions provides comprehensive, turn-key insurance solutions for associations, societies, and membership organizations. Through Alternative Health Insurance Solutions advisory services, the team offers no-cost consulting across all 50 states on employer-sponsored health plans, including ICHRAs, ACA plans, short-term medical, Medicare Advantage/Supplement, individual and family plans, and supplemental products (dental, vision, hearing, critical care, hospital indemnity, life).

Product overview

LIG Solutions offers a comprehensive suite of Alternative Health Insurance Solutions as a consulting service focused on employer-sponsored health plans. The core product provides no-cost consulting to help employers reduce healthcare costs by offering employees various healthcare plan options including Individual Coverage Health Reimbursement Arrangements (ICHRAs), Major Medical/ACA plans, Short-term medical plans, Medicare Advantage/Supplement plans, and supplemental insurance products (dental, vision, hearing, critical care, hospital indemnity, life). The offering also includes related services such as Gallagher Drive® for HR analytics, Employee Benefits Consulting, and Compliance Consulting. The company provides carrier-agnostic recommendations with access to all private federal and state marketplace plans, supported by proprietary data, analytics, and customized digital platforms for enrollment and engagement tracking.

Differentiator

Problem solved

Functional benefit

Brands

• Gallagher Drive®: A platform that helps HR leaders invest in the right programs to attract, retain, and engage a healthier and more fulfilled workforce, while optimizing costs.

Products and services

• Alternative Health Insurance Solutions Consulting service providing alternative and innovative health solutions to employer-sponsored health plans, offering access to private, federal, and state marketplace plans for employees including those eligible for or aging into Medicare, retiree populations, COBRA participants, and those not eligible for benefits.
• No-cost Health-Plan Consulting Advisory service providing hands-on support for designing optimized health benefit strategies with cost-saving solutions and vendor insights, delivered by skilled advisors across all 50 states.
• Major Medical / Affordable Care Act (ACA) Plans Health insurance plans compliant with the Affordable Care Act, offered through private and federal/state marketplace exchanges.
• Short-Term Medical Plans Temporary health insurance coverage designed for individuals between coverage periods or transitioning between employer plans.
• Individual and Family Health Insurance Health coverage plans tailored to individuals and families, customizable based on generation, age, and stage in life.
• Medicare Advantage and Medicare Supplement Plans Health insurance options for employees eligible for or transitioning into Medicare, supported by licensed advisors to navigate plan selection.
• Dental, Vision and Hearing Insurance Supplemental health coverage for dental care, vision services, and hearing-related needs.
• Critical Care Insurance Supplemental insurance providing financial protection for critical illness diagnoses.
• Hospital Indemnity Insurance Supplemental insurance paying fixed benefits for hospital stays and related medical expenses.
• Life Insurance Insurance coverage providing financial protection for employees and their families.
• Individual Coverage Health Reimbursement Arrangements (ICHRAs) Employer-funded health benefit allowing employees to purchase preferred individual market health plans using pre-tax defined contributions, as an alternative to traditional group coverage.
• Gallagher Drive HR analytics and people-data platform helping HR leaders invest in the right programs to attract, retain, and engage a healthier workforce while optimizing costs.
• Employee Benefits Consulting Strategic benefits planning service helping employers optimize their investment in health benefits and gain competitive advantage.
• Compliance Consulting Benefits compliance advisory service ensuring employer health plans meet current regulatory requirements.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Federal and State Marketplace PlanscoreOthersGallagher's Alternative Health Insurance Solutions has access to all private federal and state marketplace plans. They use these partnerships to provide carrier-agnostic, unbiased health plan recommendations to employers and employees, walking them through the enrollment process and educating them on affordable alternatives.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Willis Towers Watson (WTW): WTW is a global advisory, broking, and solutions firm with a sizable health and benefits practice serving multinational employers. It competes with LIG on benefits strategy consulting and carrier-agnostic plan design, especially for larger accounts.
• Mercer (Marsh McLennan): Mercer is the global health, wealth, and career consulting arm of Marsh McLennan, advising large multinational employers on benefits strategy. It is a broader incumbent that overlaps with LIG on benefits advisory, albeit at much larger enterprise scale.

Direct peers

• Hub International: Hub International is a global insurance brokerage offering employee benefits, commercial, and personal insurance across North America. Its benefits division competes with LIG on carrier-agnostic employer health advisory.
• Brown & Brown Insurance: Brown & Brown is a national insurance brokerage and advisory firm with a sizable employee benefits practice serving employers of all sizes. It competes with LIG on group health placement, supplemental products, and benefits consulting for diverse workforces.
• OneDigital Health and Benefits: OneDigital is a US-focused employee benefits and insurance brokerage that advises employers on group health, supplemental, and individual market options. It competes directly with LIG's advisory-led, multi-carrier model serving mid-market and national employers.
• Alera Group: Alera Group is a US insurance and financial services firm providing employee benefits, property/casualty, and consulting to mid-market employers. Its benefits advisory model and carrier-agnostic positioning closely mirror LIG's approach.
• USI Insurance Services: USI is a large US insurance brokerage delivering property/casualty, employee benefits, and risk management advisory to mid-market and large employers. Its benefits practice overlaps directly with LIG's carrier-agnostic, consulting-driven health benefits offering.
• Lockton Companies: Lockton is the world's largest privately held insurance brokerage with deep employee benefits expertise and carrier-agnostic advisory capabilities. It competes with LIG in mid-market and large employer benefits consulting, including alternative health solutions.
• NFP (an Aon company): NFP is a US benefits, insurance, and wealth advisory firm acquired by Aon, serving mid-market and large employers with multi-carrier health and benefits solutions. It is one of the most direct large-scale peers to LIG's brokerage model.

Emerging players

• Take Command Health: Take Command Health is an ICHRA-focused technology platform that enables employers to administer defined-contribution health benefits and connect employees to individual market plans. It represents an emerging digital-native alternative to LIG's advisory-led ICHRA offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/LIGHealth
• YouTubeyoutube.com/GallagherGlobal
• Facebookfacebook.com/GallagherGlobal
• LinkedInlinkedin.com/company/gallagher-global
• Instagraminstagram.com/gallagherglobal

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about LIG Solutions