Allstate does not offer traditional major medical health insurance plans complying with the Affordable Care Act (ACA) marketplace standards. Instead, Allstate provides supplemental health insurance products—such as accident, critical illness, hospital indemnity, and disability insurance—through its subsidiary American Heritage Life Insurance Company. These supplemental policies are designed to pay cash benefits directly to policyholders to help cover out-of-pocket medical deductibles and everyday expenses during unexpected illnesses.
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