Allstate Health Solutions Group Coverage in Colorado
Supplemental and level-funded employer health solutions
Allstate Health Solutions provides Colorado employers with a portfolio of group health products including level-funded major medical, group short-term medical, and supplemental coverage like accident, critical illness, and hospital indemnity plans that pair well with ACA-compliant base plans.
Who Allstate Is Best For
Small Businesses 2-50 Employees
Allstate level-funded plans are purpose-built for small Colorado employers who want big-employer features without the complexity of self-insurance.
Cost-Conscious Cultures
Combine a level-funded major medical with supplemental accident, critical illness, or hospital indemnity to lower out-of-pocket exposure for employees while controlling premium spend.
Healthier-Than-Average Groups
Allstate underwriting rewards groups with stronger demographics, often surfacing materially better rates than community-rated ACA plans for the same census.
Multi-State Colorado Employers
Statewide PHCS PPO network access plus a portable supplemental layer travels well for employers with remote workers across the Front Range and Western Slope.
Why Colorado Employers Choose Allstate
- Level-funded medical plans with monthly premiums and a year-end refund of unused claims dollars
- Stop-loss protection bundled in — Allstate handles the reinsurance backing automatically
- Robust supplemental product portfolio (accident, critical illness, hospital indemnity, dental, vision)
- PHCS PPO network with strong Colorado coverage, including UCHealth, Centura, and HealthONE facilities
- Streamlined underwriting — most groups get rates back within 5 business days
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