Allied National
Allied National is a third-party administrator of group health benefits for U.S. small and midsize employers (2-99 employees), delivering level-funded, reference-based pricing, PPO, dental, and short-term medical plans through independent insurance agents nationwide as a majority-owned subsidiary of 90 Degree Benefits / Blue Cross Blue Shield of Alabama.
- Company typePrivate
- Founded1970
- HeadquartersOverland Park, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Allied National does
Allied National is a third-party administrator (TPA) of group health benefits, founded in 1970 and headquartered in Overland Park, Kansas. The company specializes in small and midsize employer groups of 2-99 employees, marketing itself as a small-group benefits specialist that packages level-funded plans, reference-based pricing plans, PPO options, MEC plans, short-term medical coverage (through the Pivot Health brand), dental (Dental Design), and member services such as HealthCare Assistant, HealthChoices (diabetes management), and Telehealth. Core operational capabilities — claims processing, medical underwriting, premium billing, regulatory compliance, and actuarial support — are delivered through Allied's TPA infrastructure.
The product portfolio centers on the Funding Advantage family of level-funded plans, with multiple variants (Freedom Traditional, Freedom Essentials, Freedom Hybrid, Premium Advantage PPO, Vault PPO, Vault Reference-Based Pricing, Cost Saver, MEC, and Community Health, H&H, and Fundamental Care plans). Reference-based pricing benchmarks provider rates 25-65% above Medicare, and the Freedom plans offer members full provider choice without network penalties. The newest addition, Freedom Open Access, was announced in May 2026 with an August 1 effective date as an end-to-end network alternative. Distribution runs exclusively through independent insurance agents and brokers using Allied's WINAllied quoting software, online enrollment portal, and the Agent Edge marketing and sales-support program — Allied does not sell directly to consumers or employers.
Allied National is privately held as Allied National, LLC; since June 18, 2020, it has operated as a majority-owned subsidiary of 90 Degree Benefits, a subsidiary of Blue Cross Blue Shield of Alabama, while continuing to be run by the Ashley family (Bill and Gary Ashley are Executive Vice Presidents). In January 2023, Lisa Hodson was appointed CEO, succeeding founder Bill Ashley. Headcount is reported at 101-250 employees, with a Rockford claims office complementing the Overland Park headquarters, and the company serves employers in all 50 U.S. states.
Allied National firmographics
Firmographics- Name
- Allied National
- Legal name
- Allied National, LLC
- Website
- https://alliednational.com
- Company type
- Private
- Founded year
- 1970
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Allied National is a third-party administrator of group health benefits for U.S. small and midsize employers (2-99 employees), delivering level-funded, reference-based pricing, PPO, dental, and short-term medical plans through independent insurance agents nationwide as a majority-owned subsidiary of 90 Degree Benefits / Blue Cross Blue Shield of Alabama.
- Ownership category
- akta.pro rank
Allied National industry classification
Industry- Product category
- Group Health Benefits Administration
- NAICS
- Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Self-Funded Employer Plan TPA (ASO Administration) (HLAEALAA)
- akta.pro secondary industries
- Compliance, Reporting & Regulatory Administration (ERISA/ACA/No Surprises) (HLAEALAJ), Dental Benefit Administration (DBA) & ASO/TPA for Dental (HLAEAIAJ), Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN), Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)
Keywords
Where Allied National is headquartered
LocationHeadquarters
- HQ city
- Overland Park
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Allied National business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Supply Chain, Infrastructure
Revenue model
- Third-Party Administration Services: Allied National acts as a TPA providing regulatory compliance, medical underwriting, policy issue, premium billing and collection, customer service, claim processing, healthcare management, and actuarial support to self-funded employer groups
- Level-Funded Plan Administration: Administration of level-funded group health plans where employers pay fixed monthly amounts that cover claims and administrative costs, with potential refunds for favorable claims experience
- Insurance Product Distribution: Distribution of group medical benefits, dental plans (Dental Design), short-term medical (Pivot Health), and ancillary products through independent insurance agents with commission-based compensation
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Level-Funded Plans (Funding Advantage) |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
Allied National product offering
Product offeringCore offering
Allied National is a third-party administrator (TPA) that delivers group health benefits and ancillary products to small and midsize employers (2-99 employees) nationwide. Its core portfolio centers on the Funding Advantage family of level-funded plans — including PPO, reference-based pricing, and Freedom variants — along with dental, short-term medical, and member services such as HealthCare Assistant advocacy and Telehealth. Products are quoted and enrolled through independent insurance agents using the WINAllied platform.
Product overview
Allied National is a third-party administrator (TPA) offering a comprehensive portfolio of group health benefits primarily for small and midsize businesses (2-99 employees). The core product family is the Funding Advantage Plan, which includes multiple plan variants: Premium Advantage PPO (traditional network-based coverage), Freedom Traditional/Essentials/Hybrid (reference-based pricing plans allowing provider choice without network penalties), Cost Saver (limited benefit budget plans), MEC Plans (preventive-only coverage), and specialized options including Vault PPO, Vault Reference-Based Pricing, Community Health, H&H Plan, and Fundamental Care. The Freedom Open Access (launching August 2026) represents the latest expansion offering end-to-end network alternatives. Allied also administers individual products through Pivot Health (Short Term Medical plans with Core, Quantum PPO, and Epic variants) and ancillary offerings including Dental Design and Premium Only Plan. Member support services include HealthCare Assistant (health coaching), Telehealth (virtual care), and HealthChoices (diabetes management). The company operates as a 90 Degree Benefits Company, subsidiary of Blue Cross Blue Shield of Alabama.
Differentiator
Problem solved
Functional benefit
Brands
- Pivot Health: Short-term medical insurance plans for individuals
- Allied HealthCare Assistant
- HealthChoices
- Dental Design
- Freedom Open Access
- Freedom Hybrid
- Freedom Traditional
- Freedom Essentials
- Funding Advantage
- Cost Saver
- MEC Plans
- Brilliant Dental
- Telehealth
Products and services
- Funding Advantage Plan Level-funded group health plan providing flexible, customizable benefits for small employers with multiple variants including PPO, reference-based pricing, and Freedom plans. Sold to employer groups of 2-99 employees.
- Freedom Open Access Network alternative solution for group health coverage featuring transparent pricing with strategic direct contracts benchmarked above Medicare levels and personalized member advocacy services for employer groups.
- Premium Advantage PPO Traditional preferred provider organization plan offering major medical coverage through contracted PPO networks for small employer groups.
- Cost Saver Plan Budget-friendly limited benefit plan with office visits, outpatient benefits, and fixed cash payments for surgery and hospitalization using PHCS and First Health PPO networks. Targeted at cost-sensitive small employer groups.
- MEC Plans (Minimum Essential Coverage) Preventive-only coverage plans meeting ACA employer mandate requirements, available in basic, Plus, and Advantage tiers for employer groups.
- Pivot Health Short Term Medical Individual short-term medical insurance plans for temporary coverage gaps including Core STM, Quantum PPO (using Cigna PPO Network), and Epic STM variants. Underwritten by Companion Life and Pan-American Life.
- Dental Design Dental insurance for employer groups of 2-99 with multiple plan options, 100% preventive care coverage, orthodontia benefit option, and vision plan add-on. Underwritten by Fidelity Security Life Insurance Company and uses Aetna Dental PPO network.
- Premium Only Plan (POP) IRS Section 125 cafeteria plan allowing employees to pay premium contributions with pre-tax dollars, reducing payroll taxes for employers.
- HealthCare Assistant Personal health coaching and advocacy service helping members understand diagnoses, get second opinions, manage chronic conditions like diabetes, and navigate behavioral health issues.
- Telehealth Virtual healthcare access allowing members to consult doctors via phone or video 24/7/365 for minor ailments and behavioral health support, provided through Cura TeleHealth & Wellness.
- HealthChoices Diabetes management program providing coaching, tools, and education to help members control blood sugar and improve overall health outcomes.
Quantifiable outcome
- Reference-based pricing typically negotiates provider rates 25-65% above Medicare levels
- +1 more outcomes
Companies that use Allied National
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles3 records
Allied National technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature5 records
Allied National partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and flagship.
- Fidelity Security Life Insurance Company (FSL)coreFidelity Security Life Insurance Company provides stop-loss insurance coverage for Allied's Funding Advantage plans. Rated A (Excellent) by A.M. Best, FSL is located in Kansas City, Missouri and has been providing insurance products for over 40 years.
- Companion Life Insurance CompanycoreCompanion Life Insurance Company provides stop-loss insurance coverage for Allied's Funding Advantage plans. Rated A+ (Superior) by A.M. Best, the company is located in Columbia, South Carolina and has specialized in employee benefits for over 40 years. Also underwrites Pivot Health Short Term Medical products.
- Pivot HealthcorePivot Health is an insurance brand that Allied National administers for short-term medical products. Allied National serves as a broker and administrator for Pivot Health Short Term Medical, Core STM, Quantum PPO, and Epic STM plans offered to individuals.
- 90 Degree BenefitsflagshipBeyond the financial ownership relationship, Allied National operates as a 90 Degree Benefits Company, leveraging the partnership to expand product offerings and geographic market reach across the nation while maintaining its family-run identity.
Scale indicators3 records
Recent moves8 records
Expansion highlights5 records
Allied National competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Allied National social profiles
Digital presenceAllied National financial estimates
Financial estimateRevenue estimate
Valuation estimate
Allied National leadership team
Management profileNumber of profiles
Profiles5 records
Allied National funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Allied National M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Allied National
What does Allied National do?
Allied National is a third-party administrator (TPA) that delivers group health benefits and ancillary products to small and midsize employers (2-99 employees) nationwide. Its core portfolio centers on the Funding Advantage family of level-funded plans — including PPO, reference-based pricing, and Freedom variants — along with dental, short-term medical, and member services such as HealthCare Assistant advocacy and Telehealth. Products are quoted and enrolled through independent insurance agents using the WINAllied platform.
Is Allied National a public or private company?
Allied National is a private company. It is classified as corporate owned and is currently operating.
When was Allied National founded?
Allied National was founded in 1970. It employs 101 to 250 people.
Where is Allied National based?
Allied National is headquartered in Overland Park, United States, in the North America region.
How does Allied National make money?
Three revenue lines are on record. Third-Party Administration Services are the primary driver. The others are level-Funded Plan Administration and insurance Product Distribution.
Does Allied National have an API?
No public API is recorded for Allied National.
What industry is Allied National in?
Allied National's product category is Group Health Benefits Administration. Its primary akta.pro industry code is HLAEALAA, Self-Funded Employer Plan TPA (ASO Administration), with a secondary code of HLAEALAJ, Compliance, Reporting & Regulatory Administration (ERISA/ACA/No Surprises). Its NAICS code is 524292 and its SIC code is 6411.