Buy ACA & Health Insurance Leads

Yes, InsureLeads lead forms capture household size and estimated income bracket to help you quickly assess potential premium subsidy eligibility before the enrollment conversation. Under current ACA rules, households earning up to 400% of the federal poverty level may qualify for premium tax credits, making subsidy data one of the most valuable pre-qualification fields for ACA agents.

Yes, InsureLeads supports state-level geographic targeting for ACA leads and adjusts campaigns to comply with state-based exchange requirements where applicable. States with their own exchanges (such as California, New York, Colorado, and Washington) have specific regulatory requirements that our campaigns follow. The highest-volume ACA lead states include Texas, Florida, Georgia, North Carolina, and Pennsylvania.

OEP (Open Enrollment Period) leads come from the annual enrollment window when any consumer can sign up for ACA marketplace coverage, regardless of qualifying events. SEP (Special Enrollment Period) leads come from consumers who have experienced a qualifying life event — such as job loss, marriage, relocation, or loss of other coverage — that allows them to enroll outside the annual window. SEP leads are available year-round and often convert at higher rates because the consumer has an immediate, urgent need for coverage.

ACA leads typically close at 5-12% for exclusive web leads, compared to 8-15% for Medicare. The slightly lower rate reflects a broader, more price-sensitive demographic. However, ACA policies often carry higher annual premiums — especially family plans — resulting in commissions of $400-$600+ per enrollment with annual renewal income. When factoring in renewals, ACA leads can deliver comparable or better lifetime value than Medicare leads.

No, InsureLeads does not require contracts for ACA leads. All plans are flexible month-to-month with no cancellation fees and no minimum commitment periods for web leads. This is particularly valuable for ACA agents who need to ramp up volume during Open Enrollment and scale down during off-season months. You can restart at any time without re-enrollment fees or setup costs.