The Affordable Care Act (ACA) opened access to health insurance policies for millions of Americans. Before the passing of the law in 2010, obtaining private insurance was extremely difficult and expensive for people with pre-existing conditions. The prevalence of more consumers eligible for private health insurance has increased the need for health insurance agencies to implement effective lead-generation strategies that target these potential customers. ACA health insurance leads involving potential customers seeking coverage under the Affordable Care Act help agencies use their resources toward consumers who are more likely to convert to increase their client base and revenue. Having access to these high-quality ACA leads gives agencies a significant advantage, enabling them to provide more personalized service and close deals faster.
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What Is the Affordable Care Act in the United States?
Also known as “Obamacare,” the Affordable Care Act is a healthcare reform law that was implemented in the U.S. in 2010 to make health insurance more accessible and affordable for Americans, improve the quality of healthcare, and reduce overall healthcare costs. When it was first introduced, the ACA required most Americans to have health insurance or pay a penalty, but this requirement was repealed in 2019.
The ACA helped establish health insurance marketplaces (exchanges) where consumers and small businesses can compare and purchase health insurance plans. It provides premium subsidies and cost-sharing reductions to help low- and middle-income individuals afford insurance. It also allowed states to expand Medicaid coverage to more low-income adults. The ACA prevents health insurance providers from denying coverage or charging more based on pre-existing conditions, allowing young adults to stay on their parent’s insurance until age 26.
Despite the law allowing more Americans to access lifesaving health insurance, the ACA has faced numerous legal challenges and attempts at repeal since its enactment. While some provisions, like the individual mandate, have been modified or eliminated, many of its core elements remain in place.
How Does the ACA Impact Individual Consumers With Purchasing Health Insurance?
As we mentioned earlier, the ACA has significantly benefited consumers, particularly those with pre-existing conditions who need health insurance, but it has many other benefits as well. By establishing insurance marketplaces where consumers can compare and purchase plans, it is much easier to shop for insurance. All ACA-compliant plans must cover essential health benefits, including preventive care, prescription drugs, and mental health services. Many low and middle-income consumers qualify for tax credits to help offset the cost of insurance purchased through the Marketplace. Some consumers may also be eligible for additional subsidies to lower out-of-pocket costs like deductibles and copayments.
Why Does the ACA Require Individuals to Purchase Health Insurance?
When it was first implemented, the ACA originally required consumers without health insurance to purchase the insurance due to the individual mandate. While this mandate is no longer enforced at the federal level, it’s important to understand why it had been required. The mandate aimed to ensure that both healthy and sick Americans purchased insurance, creating a balanced risk pool, which helps keep premiums more affordable for all consumers. Many people without insurance will visit hospitals for minor care, which can drive up healthcare costs. The mandate was also driven by the belief in personal responsibility and that individuals should be the ones to pay for their healthcare needs rather than relying on government assistance.
How Can Agents Find Quality ACA Call Leads for Their Business?
For health insurance agencies needing to find quality leads, buying ACA insurance leads from lead generation companies specializing in inbound call leads can offer many benefits. Inbound call leads for ACA insurance can be screened to ensure they match the agency’s target audience. The calls come from consumers who have expressed interest in ACA insurance plans and are actively seeking to purchase policies. These high-intent leads are more likely to convert since they can be screened based on factors such as location, income level, family size, and current insurance status. This process ensures agencies receive leads that align with their target demographic and the ACA plans they offer for a better quality lead. These real-time ACA leads allow agencies to connect with potential clients immediately, capitalizing on their demand to help increase the likelihood of successful conversions.
Ready to expand your business?
BrokerCalls™ offers highly qualified inbound calls and phone leads. Reach out and get started today.
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Buy ACA Health Insurance Leads from BrokerCalls™
The open enrollment period for ACA insurance is approaching fast, so now is the time to implement an effective lead-generation strategy. We have extensive experience working with insurance agencies to create effective lead-generation strategies for ACA insurance. Our high-quality inbound calls undergo thorough screening to ensure they align with your specific insurance criteria before being transferred to your business, which optimizes cost per acquisition. Please contact BrokerCalls™ at (855) 268-3773 or visit us on Facebook, LinkedIn, X, or Instagram for more details on buying quality open enrollment health insurance leads from high-intent consumers looking for ACA insurance.
External Sources
- American Medical Association — Understanding the Affordable Care Act
