Allstate Health Access: Fixed-Benefit Health Plans Agents Can Sell Year-Round
Affordable, predictable coverage your clients understand — and you can sell anytime.
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Why Agents Love Selling This Plan
Allstate Health Access gives you a simple, affordable, and flexible health plan option to present to clients who are priced out of ACA coverage or just want predictable, budget-friendly benefits. Backed by Allstate Health Solutions and offered through LIFE Association, this plan is designed for easy enrollment and ongoing residual commissions.
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Quick Highlights
True Fixed Benefits – set dollar payouts for everyday care (office visits, labs, hospital stays, surgery, ER, and more).
Predictable Sales Story – clients know exactly what’s covered and what the plan pays, no surprises.
Guaranteed Rates – premiums locked in for three years on all plans.
No Annual or Lifetime Maximums – unlimited potential value for members.
First Health PPO Network – access to 695,000+ providers nationwide.
Virtual Care & Prescriptions – optional Recuro Health benefits include $0 copay chronic meds and 24/7 telemedicine.
Year-Round Sales – not tied to ACA open enrollment; easy to write any time.
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Why This Matters
Clients are facing higher ACA premiums, shorter enrollment windows, and fewer options. Fixed-benefit health plans like Allstate Health Access give you a competitive alternative that’s easy to explain, easy to sell, and keeps you earning steady level commissions year after year.
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FAQ (Agent Talking Points)
Is this ACA coverage?
No — this is not ACA-compliant. It’s a fixed-indemnity plan that pays set amounts per service.
Does it cover pre-existing conditions?
Not in the first 12 months of coverage.
Can clients use any provider?
Yes — members get discounts through First Health, but they can see any doctor. The benefit amount stays the same.
Who is this plan ideal for?
Freelancers, gig workers, small business owners, or anyone looking for predictable, non-ACA coverage with budget flexibility.