ACA and health insurance calls for licensed agents.
Consumer-initiated calls from people shopping for individual and family health coverage, routed to licensed agents by state and timed around Open Enrollment and special enrollment periods.
01Routed to licensed agents by state
02Volume follows Open Enrollment
03Special enrollment screening available
04Billed after the agreed duration
What are ACA calls?
ACA calls are inbound phone calls from people shopping for individual or family health insurance through the Affordable Care Act marketplace. Volume rises sharply during Open Enrollment, which starts on November 1 each year, and continues at lower levels for people with qualifying life events during special enrollment periods.
- Routed to licensed agents by state
- Volume follows Open Enrollment
- Special enrollment screening available
- Billed after the agreed duration
What a qualified ACA caller looks like.
Typical starting rules. Your final rules are written into the campaign brief before launch.
- 01In a state where your agents are licensed
- 02Needs individual or family coverage
- 03Not covered by an employer plan, if excluded
- 04Qualifying life event outside Open Enrollment
- 05Calls during your staffed hours
- 06Not a duplicate within your window
Calls that should not route.
Clear exclusions protect your intake capacity and give the campaign an objective target.
- ×Already on Medicare
- ×Outside your licensed states
- ×Seeking Medicaid only, if excluded
- ×No qualifying event outside Open Enrollment
- ×Duplicate within the lookback window
How ACA calls are bought.
Price is agreed per billable event and depends on screening, geography and delivery type.
| Model | What you pay for | Good fit when |
|---|---|---|
| Inbound call | A consumer-initiated call that passes the billable duration | Your intake team screens every call itself |
| Qualified call | A call that meets duration plus your screening rules | Only a specific caller is worth paying for |
| Live transfer | A caller screened by an agent, then handed over | Rules are strict and you want callers pre-qualified |
| Real-time bidding | Calls won at your bid, call by call | You have volume, data and an API endpoint |
Built for regulated intake.
General information, not legal advice.
Open Enrollment dates are set each year by HealthCare.gov and state exchanges. Check the current year's end date for your states when planning caps and staffing.
Agents enrolling consumers in marketplace plans must be licensed and meet marketplace requirements. Ads should be clear about who the consumer will speak with.
Common questions.
01When do ACA calls peak?+
During Open Enrollment, which starts November 1. Caps and staffing should be set before it opens.
02Can you screen for special enrollment?+
Yes. Outside Open Enrollment, callers can be screened for a qualifying life event.
Price ACA calls
for your intake.
Share your states, screening rules, hours and daily capacity. We’ll reply with availability and next steps.
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