Allstate Health Solutions is the health insurance business Allstate acquired with National General in 2021. In Illinois it offers fixed indemnity plans and accident and critical illness coverage. For most people who need coverage between plans, we recommend starting with Allstate Health Access.
Allstate Health Access: fixed indemnity coverage for Illinois
Health Access is a fixed indemnity plan that pays set cash benefits for doctor visits, hospital stays, surgery and more.
- First-dollar benefits: no deductible and no copays before the plan pays.
- Affordable: plans from $147.06 a month for a 40-year-old in Chicago, including the required LIFE Association membership, with rates guaranteed for three years.
- Fast start: apply any time and start as soon as the next day, with no waiting period for injury or sickness.
- No expiration: plans auto-renew, and some hospital benefits increase in years 2 and 3.
Health Access is fixed indemnity coverage, not health insurance or ACA coverage. The underwritten plans ask health questions, and pre-existing conditions are not covered for the first 12 months.
Health Access vs. an ACA Plan
| Allstate Health Access | ACA plan | |
|---|---|---|
| How long it lasts | No end date; auto-renews | One plan year; renews each open enrollment |
| How it pays | Set cash amounts from the first dollar, no deductible | Pays a share of your bills after a deductible, up to an out-of-pocket maximum |
| When it starts | As soon as the next day | Open enrollment or a special enrollment event |
| Pre-existing conditions | Not covered for the first 12 months | Covered |
| Health questions | Yes (a Guaranteed Issue plan is available) | None |
Health Access is not ACA coverage and does not qualify for premium tax credits. If you have ongoing health needs or qualify for a subsidy, an ACA plan is often the better choice, and we can compare both with you.
Short-Term Medical Is No Longer Sold in Illinois
Illinois banned short-term medical plans effective January 1, 2025, so Allstate no longer offers them here. If you need coverage between plans, Health Access and ACA plans are your main options, and many people use Health Access on top of an ACA plan.
Accident & Critical Illness Plans
Add cash protection for the events a medical plan doesn't fully cover. These plans pay you directly and can be paired with Health Access.
TrioMED
Accident, critical illness and accidental death benefits in one plan, plus telemedicine.
From $36.16/month
Plan Enhancer
Choose accident only, accident plus critical illness, or add a hospital benefit, from $2,500 to $35,000. No deductible.
From $19.00/month
Prices are for a 40-year-old non-tobacco male in Chicago (ZIP 60601), quoted September 20, 2026, and vary by age, gender and ZIP code.
More Allstate Coverage
Allstate Dental
Individual dental plans with options for no waiting period.
Allstate Benefits for employers
Group accident, critical illness and hospital plans for businesses.
Talk to a Licensed Illinois Agent
We'll compare Allstate Health Access and ACA plans side by side, at no cost to you.
Get a Free QuoteCall 312.726.6565Allstate Health Solutions is the marketing name for products underwritten by National Health Insurance Company and other Allstate companies. In Illinois, Health Access is offered through a LIFE Association membership. Health Access, TrioMED and Plan Enhancer are fixed indemnity or supplemental policies that pay limited, fixed dollar amounts; they are not major medical coverage or minimum essential coverage under the Affordable Care Act. Benefits, limitations and exclusions are described in each plan's brochure and policy. This page is general information and is not a contract.