Allstate Health Solutions underwrites a full suite of supplemental health products available to Colorado individuals and families through National Health Insurance Company — licensed and regulated in Colorado. These plans fill the gaps left by major medical, ACA marketplace coverage, or short-term plans, paying cash benefits directly to you. As independent Colorado agents, we help you compare every tier side-by-side and apply the same day.

Allstate Health Access — Indemnity Plans

Fixed cash benefits paid directly to you — no network restrictions, no deductibles. Benefits increase automatically in Year 2 and Year 3 for select rows.

Allstate Health Access plans are fixed-indemnity plans underwritten by National Health Insurance Company (CO). Not major medical/ACA coverage. Pre-existing conditions excluded for first 12 months.

All Allstate Benefits Plans — Colorado 2026

Why Choose Allstate Benefits in Colorado?

• No ACA enrollment window — Apply any month of the year. Start coverage as soon as the next day.
• Cash paid directly to you — Benefits go straight to your bank account, not to your provider.
• First Health Network access — 5,300+ hospitals and 695,000+ providers with discounted rates.
• Benefits that grow — Hospital confinement benefit increases automatically in Year 2 and Year 3 on most plans.
• Mix and match — Stack accident, critical illness, or dental on top of any major medical or short-term plan.
• Underwritten in Colorado by National Health Insurance Company (Allstate Health Solutions subsidiary), licensed in CO.

Build a Complete Coverage Bundle — Pay Less Than One ACA Plan

Most Colorado residents assume health insurance means one expensive monthly premium with a massive deductible before anything pays. Supplemental plans flip that model. By stacking a hospital indemnity plan with critical illness, accident, and TrioMed coverage, you can build a protection package that pays cash benefits directly to you — often for half the cost of an ACA Bronze plan.

Sample Bundle: 40-Year-Old, Non-Smoker in Colorado

Sample rates for illustration — actual premiums vary by age, ZIP code, and plan tier. Call (312) 726-6565 for your exact quote.

Plan	What It Covers	Sample Monthly Premium
Allstate Health Access — Fundamentals	Hospital stays, surgery, ER, office visits, Rx — cash paid directly to you regardless of your other insurance	~$95/mo
Critical Illness (CI)	Lump-sum payout ($10K–$50K) on first diagnosis of cancer, heart attack, stroke, or other covered conditions	~$40/mo
Accident Plan	Pays benefits for ER visits, fractures, dislocations, lacerations, ambulance, and follow-up care from covered accidents	~$25/mo
TrioMed	24/7 telemedicine, preventive care, and primary care access with no copays — fills the gap for routine visits	~$30/mo
Total Bundle	Hospital + Surgery + ER + Critical Illness + Accident + Telemedicine/Primary Care	~$190/mo

How the Bundle Compares to a Standard ACA Plan

	ACA Bronze Plan	Supplemental Bundle
Monthly Premium	$350–$500/mo (pre-subsidy)	~$190/mo
Deductible Before Benefits Pay	$6,000–$9,100	$0 — benefits pay from day one
Network Restrictions	In-network only at full benefit	None — use any provider
Cash Paid to You	No — pays provider directly	Yes — cash goes to you
Enrollment Window	ACA open enrollment only (Nov–Jan)	Apply any time of year
Critical Illness Payout	Counts against deductible	Lump-sum cash, no strings attached
Telemedicine / Primary Care	Copay after deductible	Included with no copay (TrioMed)

Who Is a Supplemental Bundle Right For?

• Self-employed or 1099 workers who don’t qualify for subsidies and face full ACA premiums
• Healthy individuals who rarely use their insurance and want lower monthly costs
• Part-time workers or gig economy workers without employer coverage
• Anyone with a high-deductible plan who wants protection against a catastrophic bill before the deductible kicks in
• Families between jobs who need affordable coverage during a gap period

Important: Supplemental plans are not a substitute for major medical/ACA coverage. They work best as a complement to a major medical plan, or as affordable gap coverage for those who are currently uninsured. Our agents will help you determine the right combination for your situation.

Ready to build your bundle?
Call (312) 726-6565 and we’ll quote every piece side-by-side in minutes — or have an agent call you.

Allstate Health Access plans are fixed-indemnity insurance plans underwritten by National Health Insurance Company (NHIC), an Allstate Health Solutions company, licensed in Colorado. These are not major medical / ACA-compliant plans and do not satisfy the individual mandate. Benefits are paid at scheduled fixed amounts regardless of provider charges. Pre-existing conditions are excluded for 12 months from effective date. Plan availability, benefits, and premiums subject to underwriting and state regulations. Contact your agent for current rates.