Products / Level-Funded & Alternative Funding Programs

Allied National

Public facts

GA-distributed level-funded medical

Overland Park, Kansas TPA/administrator (since 1970) whose Funding Advantage level-funded medical is sold for groups of two or more employees through agents and GAs.

Visit alliednational.com

Overview

Allied National, LLC markets small-group health benefits and, on its agent site, Funding Advantage—a level-funded / maximum-funded self-funded medical plan for employers with two or more employees. Employers pay a monthly amount equal to 1/12 of maximum claims exposure plus stop-loss; unused claim-fund money can be returned at year-end. Public FAQs say the plan is not guarantee-issue, medical underwriting applies for groups under 100 lives, and there is no published maximum group size. Plan-design families include PPO, Freedom (no network required), Cost Saver, MEC, HSA, and Direct Primary Care add-ons. Allied’s 2020 50th-anniversary release describes a family-owned TPA in the Kansas City / Overland Park area.

Why it matters Allied publishes a 2-life Funding Advantage floor and explicit underwriting (not ACA guarantee-issue)—a different small-group motion than UHC/Cigna/Aetna level-funded.

Target buyer: Agents and GAs placing small-group alternative medical (2+ lives) who want Allied Funding Advantage rather than a major-carrier level-funded brand.
Pricing model: Quoted level-funded monthly contribution and stop-loss; broker compensation is schedule- or request-based; No public rate card. Default broker compensation is by product and group size; brokers can request a different level that is reflected in issued rates (FAQ). A 15% enrollment change triggers adjustment to the claims fund and stop-loss.
Availability: National
Research: Last researched 2026-08-23; Public facts category

Key features

Funding Advantage level-funded medical for 2+ employees
Monthly funding at 1/12 of maximum claims exposure; no extra claims calls (FAQ)
Year-end return of unused claim-fund money (vendor)
Stop-loss with run-out, subject to policy terms (Allied footnote)
PPO, Freedom Traditional/Essentials, Cost Saver, MEC, HSA, and DPC options
HealthChoices steering option with lower member cost sharing when designated providers are used
Medical underwriting for groups under 100; larger groups may submit 2–3 years of claims (FAQ)

Integrations

Local PPO networks selected by area (Allied: “top local PPO networks”)
Insurance carriers Allied contracts for paper (carrier page linked; full public list not captured here)
Pivot Health short-term medical administered by Allied and underwritten by Companion Life (plans page)

Overview

Allied National positions itself as a small- and midsize-business benefits administrator and agent platform. The homepage (2026 copyright) emphasizes flexible plan design and human support. The product that matches this category is Funding Advantage, documented on alliednational.com/level-funding.html and the Funding Advantage FAQ.

A January 30, 2020 release said Allied was celebrating 50 years, is family-owned, is based in the Overland Park suburbs of the Kansas City area, and provides level-funded group health, group ancillary, and individual short-term and limited medical. CEO Bill Ashley is named in that release.

Allied is the administrator/distributor, not necessarily the stop-loss legal entity on every case. The site links “Carrier Information” and a state availability map; the map contents were not extracted in this pass.

Key Capabilities

Level / maximum funding: monthly payment of 1/12 of maximum claims exposure so Allied says there are no mid-year claims calls for extra money.
Unused claim-fund returned at year-end (marketing and FAQ).
Stop-loss manages large-claim risk, with run-out subject to exclusions, carrier solvency, effective dates, mid-year termination, and other terms (Allied footnote).
ERISA-plan framing and exemption from some ACA fully insured rules (Allied numbered list)—confirm with counsel; this is Allied’s marketing language.
Design catalog: PPO; Freedom Traditional and Freedom Essentials (any provider, no network required); Cost Saver limited/low-cost; MEC (guaranteed-issue preventive-only ACA Part A style); HSA HDHPs; DPC wrap.
HealthChoices: lower premiums and OOP if members use designated high-value care; otherwise benefits may be treated as out-of-network.
Size: minimum two employees; no stated maximum; <100 lives complete medical enrollment forms; 100+ may use 2–3 years of claims.

Integrations & Ecosystem

Agent path: census to the GA or sales@alliednational.com, 888-767-7133. Pivot Health STM is administered by Allied and underwritten by Companion Life. Full carrier and PPO lists live on other Allied pages not fully captured here.

Pricing

Quoted. Compensation schedule exists but is not reproduced here. Enrollment swings over 15% reprice the fund and stop-loss.

Notes & Limitations

State map exists but was not captured; recorded as National pending a published list.
Freedom / Cost Saver / MEC are not equivalent to comprehensive major medical; Cost Saver is described as for groups priced out of traditional major medical.
Not ACA guarantee-issue for Funding Advantage (FAQ).
2020 CEO quotes about “best small group level-funding product” are promotional, not a fact for this directory.

Sources

Tags: level-funded · Allied National · TPA · small group · Funding Advantage