Allstate Health Solutions

What Allstate Health Solutions does

Allstate Health Solutions is the health insurance marketing and administration arm of The Allstate Corporation (NYSE: ALL), operating as a division that sells supplemental and short-term health coverage to individuals, seniors, and small-to-mid-sized businesses across the United States. The company traces its health insurance heritage to 1956 and serves more than 350,000 people with health insurance through a network of 49,000+ licensed agents and brokers. Its product portfolio spans individual short-term medical (30-day to 3-month terms), accident insurance, critical illness, dental insurance, dental/vision/hearing (DVH) plans for adults 55+, Medicare supplement, Medicare Advantage referrals via MedicareEnrollment.com, and self-funded group health plans for employers with 2 to 500 employees. Products are underwritten by four wholly-owned carriers: National Health Insurance Company (Dallas, TX), Integon National Insurance Company (Winston-Salem, NC), Integon Indemnity Corporation, and American Heritage Life Insurance Company, licensed in all 50 states and the District of Columbia.

The underlying technology stack is a multi-carrier distribution and administration platform that integrates national provider networks including Aetna Open Choice PPO, Cigna PPO, First Health Network, Aetna Dental Administrators, Careington, Avesis (vision), and Amplifon (hearing), with third-party administrators Meritain Health, Allied Benefits System, and KBA managing claims. Agent-facing tools include the Agent Back Office, Enroll NatGen quoting platform, and a Medicare Supplement eApp enrollment hub, while the consumer-facing surface is anchored at allstatehealth.com and MedicareEnrollment.com. AI capability is limited; the privacy policy references AI use for fraud and security detection, and the company distributes through Oscar Health's AI-powered Lucie Health Marketplace (launched April 20, 2026), but no proprietary AI products are disclosed.

Allstate Health Solutions makes money primarily through recurring insurance premiums collected on monthly or annual billing cycles across individual, senior, and group products, supplemented by referral and sales commissions from Medicare Advantage and Part D carriers represented on MedicareEnrollment.com. Pricing is quote-based and varies by ZIP code, age, gender, tobacco use, and dependent status, with year-round enrollment and no set open-enrollment windows for most products. The company is a wholly-owned subsidiary of The Allstate Corporation and is headquartered in Milwaukee, WI, with operating underwriting entities in Dallas, TX, and Winston-Salem, NC.

Name

Allstate Health Solutions

Legal name

National Health Insurance Company

Website

https://allstatehealth.com

Company type

Private

Founded year

1956

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Allstate Health Solutions is a marketing and administration subsidiary of The Allstate Corporation that sells supplemental and short-term health insurance (short-term medical, accident, critical illness, dental, Medicare DVH, and small-group plans) to individuals, seniors, and 2-500 employee businesses in all 50 states and DC, distributed through 49,000+ agents and brokers.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

akta.pro secondary industries

Standalone Hospital Indemnity Insurance (FSAIAKAB), Combined Critical Illness + Hospital Indemnity Policies (FSAIAKAC), Specified Disease Hospital Indemnity (e.g., Cancer Hospital Indemnity) (FSAIAKAI), Combined Dental & Vision Insurance (FSAIAHAC)

Keywords

• Short term medical insurance
• Supplemental health coverage
• Medicare supplement plans
• Accident critical illness insurance
• Group health benefits

Headquarters

HQ city

Milwaukee

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Allstate Health Solutions generates revenue through insurance premiums collected from policyholders. Products include short-term medical, accident insurance, critical illness, dental, Medicare supplement, and group health plans. Premiums are collected on a recurring basis (monthly or annual billing cycles depending on plan type).
2. Medicare Supplement and Advantage Referrals: Allstate Health Solutions markets Medicare Advantage and Part D plans from contracted carriers (including Aetna Medicare, Anthem Blue Cross, Humana, UnitedHealthcare, Wellcare, and others) through MedicareEnrollment.com, earning referral/sales commissions.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Allstate Health Solutions is a health insurance marketing and administration platform that sells supplemental and short-term health coverage products underwritten by National Health Insurance Company, Integon National Insurance Company, Integon Indemnity Corporation, and American Heritage Life Insurance Company. Its offerings include short-term medical, accident, critical illness, dental, vision and hearing plans for individuals and seniors (55+), Medicare supplement referrals, and self-funded group health plans for businesses with 2-500 employees, distributed through a network of 49,000+ licensed agents and brokers across all 50 states and DC.

Product overview

Allstate Health Solutions is a health insurance marketing and administration subsidiary of The Allstate Corporation (NYSE: ALL), offering supplemental and short-term health coverage options for individuals, seniors, and businesses. The product portfolio consists of: (1) Individual/Family Plans including Short Term Medical, Accident Insurance, Critical Illness, and Dental Insurance for those between jobs or waiting for Open Enrollment; (2) Medicare Coverage including Dental/Vision/Hearing (DVH) plans for adults 55+ and Medicare Supplement through MedicareEnrollment.com; (3) Business/Group Plans including Self-Funded Group Health Plans via Allstate Benefits for 2-500 employees and Supplemental Health Coverage; (4) Agent Tools including Agent Back Office, Enroll NatGen, and Medicare Supplement eApp Enrollment Hub. The company underwrites products through National Health Insurance Company, Integon National Insurance Company, Integon Indemnity Corporation, and American Heritage Life Insurance Company, covering all 50 states and D.C. through networks including Aetna, Cigna, First Health, Careington, Avesis, and Amplifon. The company serves 350,000+ customers through 49,000+ agents and brokers.

Differentiator

Problem solved

Functional benefit

Brands

• MedicareEnrollment.com: A website and service owned by the Allstate Health Solutions family that helps individuals review Medicare coverage options in their area.
• Allstate Benefits

Products and services

• Short Term Medical Affordable, temporary health insurance plan for individuals and families experiencing coverage gaps between jobs, while aging out of family plans, or while waiting for Open Enrollment. Offers flexible terms from 30 days to 3 months with coverage for office visits, urgent care, telemedicine, and access to national networks including Cigna PPO and Aetna Open Choice PPO.
• Accident Insurance Supplemental insurance that pays cash benefits for care related to covered injuries or illnesses. Works with or without health insurance. Available with terms from 30 to 364 days and guaranteed coverage for applicants aged 18 to 64.
• Critical Illness Insurance Insurance that protects finances against covered critical illnesses with no deductibles, no network restrictions, and lump sum cash benefits up to plan limits. Available in four coverage tiers.
• Dental Insurance Supplemental dental insurance covering regular dental care, routine services, and comprehensive care with multiple benefit levels and no waiting period for preventive care.
• Dental, Vision and Hearing (DVH) Plans Standalone dental, vision, and hearing plans designed for adults aged 55 and older. Provides dental coverage through the Aetna Dental Administrators network (89,000+ providers), optional vision coverage through Avesis, and hearing services savings through Amplifon. Available in three plans plus two vision coverage levels, with benefits doubling in year two.
• Self-Funded Group Health Plans Self-funded group health plans for small and mid-sized companies with 2 to 500 employees, provided through Allstate Benefits. Offers flexible health coverage and contract options for cost-conscious employers.
• Supplemental Health Coverage (Group) Group supplemental health coverage including accident medical expense and critical illness coverage for employees, offered through Allstate Benefits for small and mid-sized companies.
• Medicare Supplement Insurance (via MedicareEnrollment.com) Medicare Supplement insurance offered through MedicareEnrollment.com to help cover deductibles and coinsurance not paid by Original Medicare. Includes comparison of plans from 18 organizations offering 52,101 products, including Aetna Medicare, Anthem Blue Cross, Humana, UnitedHealthcare, and Wellcare.
• Accident Fixed-Benefit Insurance Fixed-benefit accident insurance providing cash payments for covered accidents. Subject to policy terms and exclusions, with provider network access through First Health Network.
• Accident Medical Expense Insurance Accident medical expense insurance providing employees with accident medical expense protection. Claims filed directly through Meritain Health.
• Hospital Expense Protection Plus Hospital expense protection coverage administered by Key Benefit Administrators (KBA), providing supplemental medical expense coverage for hospitalization.
• Cancer Heart Stroke Insurance Specialized supplemental insurance covering cancer, heart attack, and stroke with state-specific reinstatement application options.
• Final Expense Insurance Life insurance with accelerated death benefit options designed for end-of-life expenses. Available with state-specific reinstatement applications.
• Term Life Insurance with Critical Illness Rider Combined term life and critical illness insurance providing both life protection and critical illness benefits, available with optional critical illness rider and state-specific forms.
• Medicare Advantage (Referral Service) Referral and comparison service for Medicare Advantage plans (HMO, PPO, PFFS) and Part D prescription drug plans offered through MedicareEnrollment.com, representing 18 organizations including Aetna Medicare, Anthem Blue Cross, Humana, UnitedHealthcare, Wellcare, and Molina Healthcare.
• Select Dental PPO Dental PPO plan providing members access to the Aetna Dental Administrators network with online provider search capabilities through the Perspecta portal.

Quantifiable outcome

• 350,000+ people served with health insurance coverage

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature3 records

Partnerships

Eight partnerships are on record, tiered core.

• Oscar HealthcoreGTM or Marketing Partner · 20 April 2026Oscar Health launched its Lucie Health Marketplace on April 20, 2026, integrating Allstate Health Solutions as a supplemental coverage provider alongside plans from UnitedHealth Group, Cigna, Centene, and Blue Cross plans. The AI-powered marketplace targets uninsured and underinsured Americans, positioning Oscar to capture demand from gig workers, entrepreneurs, and those without employer-sponsored coverage.
• HealthCompare Insurance ServicescoreGTM or Marketing PartnerHealthCompare Insurance Services, an Allstate company, is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. AllstateHealth.com is partnered with HealthCompare for Medicare product marketing.
• AetnacoreTechnology or IntegrationAetna Open Choice PPO Network is used for Short Term Medical plan administration. Aetna Dental Administrators network (89,000+ providers) provides dental coverage for DVH and Select Dental PPO plans. Administered by Meritain Health.
• CignacoreTechnology or IntegrationCigna PPO Network and Cigna Local Plus (Arizona only) used for Short Term Medical plan administration. Administered by Allied Benefits System.
• Meritain HealthcoreTechnology or IntegrationMeritain Health administers Short Term Medical and Short Term Medical PPO plans through Aetna Open Choice PPO Network, and provides Select Dental and DVH administration.
• Allied Benefits SystemcoreTechnology or IntegrationAllied administers Cigna and Cigna Local Plus network plans for Allstate Health Solutions Short Term Medical products.
• CareingtoncoreTechnology or IntegrationCareington Network provides Dental PPO and Dental Indemnity provider networks for Allstate Health Solutions dental plans.
• MedicareEnrollment.com CarrierscoreChannel Partner/ Reseller/ DistributorMedicareEnrollment.com represents 18 Medicare Advantage and Part D organizations including Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Humana, Molina Healthcare, Mutual of Omaha, UnitedHealthcare, Wellcare, and others (52,101 products).

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Oscar Health: Oscar Health is both a partner (Lucie Health Marketplace launched April 2026) and an emerging competitor using AI-powered direct-to-consumer marketplaces for individual and ACA plans. Its marketplace approach overlaps with Allstate Health Solutions' supplemental target market.

Broad incumbents

• UnitedHealth Group (Golden Rule Insurance Company): UnitedHealth Group's Golden Rule subsidiary sells short-term medical and supplemental health insurance directly to individuals, making it the largest incumbent competitor in the exact same product category Allstate Health Solutions targets.
• Humana: Humana is a major Medicare Advantage and supplemental health insurer with overlapping individual and group supplemental coverage offerings. It is also one of the carriers Allstate Health Solutions markets on MedicareEnrollment.com.
• Blue Cross Blue Shield (Anthem): Anthem Blue Cross Blue Shield plans offer individual, Medicare Supplement, and group health products directly competitive with Allstate Health Solutions. Anthem is also one of the carriers represented on Allstate Health Solutions' MedicareEnrollment.com platform.
• Cigna (Cigna Health and Life Insurance): Cigna is a broad incumbent health insurer with individual supplemental, accident, and group benefits products that overlap with Allstate Health Solutions' portfolio. Cigna also provides the PPO network backbone for Allstate Health Solutions' STM plans.
• Aetna (CVS Health): Aetna (CVS Health) offers individual supplemental health and dental products and provides the Open Choice PPO and Dental Administrators networks for Allstate Health Solutions. It is both a partner and a competitor in supplemental markets.

Direct peers

• Medico Insurance Company: Medico sells supplemental health products including dental, accident, and Medicare Supplement insurance primarily through independent agents, making it a direct peer in the agent-distributed supplemental health space.
• Pivot Health: Pivot Health is a direct competitor selling short-term medical, accident, critical illness, and supplemental health plans through agent and direct-to-consumer channels. Highly comparable product mix to Allstate Health Solutions' individual portfolio.
• ManhattanLife Insurance Company: ManhattanLife sells supplemental health insurance including accident, critical illness, hospital indemnity, and Medicare Supplement products through agents and direct channels — directly comparable to Allstate Health Solutions' supplemental portfolio.
• Transamerica (Aegon): Transamerica offers supplemental health (accident, critical illness, hospital indemnity) and life insurance products through a large agent network, closely mirroring Allstate Health Solutions' distribution-led model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/allstate-health-solutions

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries6 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 Allstate Health Solutions