GBS Provides Health Reform Tools for Employers

July 13, 2012 ( - Arthur J. Gallagher & Co.’s employee benefits consulting and brokerage operation, Gallagher Benefit Services, Inc. (GBS), has enhanced its suite of decision support tools.

New tools will enable organizations to evaluate and execute a “pay-or-play” strategy under the Patient Protection and Affordable Care Act (PPACA).   

The three core tools aim to help organizations make decisions about the future direction and management of their benefits and total rewards programs, keep abreast of the rapidly evolving health care reform rules, and understand the financial impact of federally mandated health plan changes to their existing plans:

  • HCR Financial Outlook produces a customized range of potential PPACA costs based on real-world scenarios. By running a statistically valid number of simulations, the HCR Financial Outlook projects the cost of an organization’s current plan(s) to remain in compliance with PPACA’s complex regulatory requirements, and includes a comparison of the cost of changing plan design(s) versus the cost of potential penalties.  
  • HCR Planner is an interactive tool that helps employers create a concrete action plan. This tool provides the framework to identify provisions of health care reform that will apply specifically to an organization, document any gaps between its current benefits offering and legal requirements, and determine next steps in plotting a response to the most up-to-date aspects of the law.  
  • HRM is a predictive modeling tool that helps organizations understand the financial impact of federally mandated health plan changes to their existing plans, such as elimination of lifetime and annual dollar maximums, and elimination of cost-sharing for preventive services (for non-grandfathered plans).  


“The complexity of PPACA presents significant short-term and long-term challenges to an organization, its human resources department, and its employees,” said James W. Durkin, Jr., GBS’s President. “Our suite of proprietary planning and modeling tools helps clients develop a customized roadmap to address the strategic, financial, and operational impact of PPACA.”   

To learn more about the GBS Healthcare Reform consulting methodology and tools, visit