Before the Affordable Care Act (ACA) took effect, an estimated 44 million Americans were uninsured. Since then, that number has dropped to a historic low of 27.1 million individuals, according to statistics from Q1 of 2024 released by the Assistant Secretary for Planning and Evaluation earlier this year. Near the end of every year, Open Enrollment begins at Healtcare.gov. This period is when citizens can sign up for, renew, or update their ACA-compliant insurance plans. Last year, over 21 million people found their healthcare through the marketplace, and if you haven’t made generating those types of leads a top priority for your insurance business, you could miss an opportunity to surpass your sales goals for next year before 2025 even starts. By focusing their efforts on tracking down the best ACA leads for sale now, health insurance agencies have an abundance of low-hanging fruit opportunities from a targeted audience of consumers actively seeking coverage. This results in a streamlined sales process, better customer acquisition costs, increased revenue, and (most importantly) a time crunch to facilitate quickly closed deals for ACA health insurance leads.
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What Is ACA Lead Generation?
Lead generation is all about attracting the right customers. Think about it like creating clients—or, more appropriately, like fishing for them. Cold calling is one way to land new contracts, but with the right lead generation plan, such as buying inbound calls for ACA leads, sharp-eyed professionals can skip right to the warm phase of negotiations.
Most states have Open Enrollment between November 1st and January 15th, with a deadline of December 15th to guarantee coverage. That gives potential buyers only a short window to finalize their plans, cutting down on the back and forth at the beginning. With a looming final deadline fast approaching (and no opportunity to enroll again until next November), there’s no time for indecision. This has the potential to boost your sales volume significantly. By cutting out the time a client has to overthink their choices, the faster you can close the deal. The faster you sell, the more time you have to talk with other potential buyers, who are just as motivated by the same time crunch, and the cycle repeats.
However, if you’re spending chunks of your day cold calling or building out complex mass marketing strategies, you’re wasting the time you could spend making those sales. By outsourcing that task and buying qualified phone leads for people already interested in an ACA-compliant health plan during the busiest time of the year, you can skip past the initial prospecting phase and breeze right into that sales pitch every time. By taking the extra care to prioritize those ACA leads, you can set yourself up for a busy season that runs like a well-oiled machine.
What Does ACA Stand For in Insurance?
ACA stands for Affordable Care Act and is sometimes called “Obamacare.” Before the law was passed in 2010, getting a private insurance policy was next to impossible for the average citizen, with extremely difficult screening processes and higher premiums for people with pre-existing conditions. Now, approximately 21 million people go looking for coverage every year and gain access to care that was previously out of reach.
The ACA was a win, not just for the average working-class citizen in the United States but also for the health insurance industry as a whole. Now, there’s an influx of eligible people ready to sign contracts quickly at the same time each year, and their prevalence has increased the need for health insurance agencies to focus more on lead-generation strategies that target those specific customers. Luckily, BrokerCalls™ usually has a surplus of ACA leads for sale.
What Are ACA-Compliant Health Plans?
ACA-compliant health plans must adhere to the standards and regulations outlined in the Affordable Care Act (ACA). To qualify, a plan must contain adequate coverage for the following essential health benefits:
- Ambulatory patient services
- Emergency services
- Hospitalization
- Maternity and newborn care
- Mental health and substance use disorder services
- Prescription drug coverage
- Preventive and wellness services
- Pediatric services
All insured people have special patient protections and rights when they go through the Health Insurance Marketplace, including:
- Insurers cannot refuse coverage based on gender or a pre-existing condition.
- There are no lifetime or annual limits on coverage for essential health benefits.
- Young adults can stay on their family’s insurance plan until age 26.
These ACA-compliant plans are categorized into tiers, each representing the quality or amount of coverage provided and the associated costs.
- Bronze: This tier has the lowest monthly premiums but the highest out-of-pocket cost for fees like deductibles and in-office co-pays.
- Silver: One of the most popular tiers, this option is reasonably priced and offers a balanced cost between premiums and out-of-pocket expenses. Additionally, many people are eligible for subsidies and discounts, making this level a good middle ground.
- Gold: Here’s where those out-of-pocket costs start to come down, but in exchange, you’re paying a higher monthly premium.
- Platinum: This tier provides the highest level of coverage with the fewest out-of-pocket expenses, but it also boasts the highest monthly premiums of all plans.
The option that’s best for each individual will vary based on their personal needs or health goals. For example, a younger person in great health may not benefit from purchasing a Gold or Platinum tier plan, while at the same time, a person with chronic illness who makes regular trips to the emergency room or specialists would be undercovered with a Bronze or Silver plan. With so many confusing options to choose from, the average person can get easily confused, and many will eagerly turn to healthcare experts to help them make their purchase (for a fee). Why waste your time searching for leads when there are already 21 million people looking for you? It’s time to start buying ACA leads instead.
How to Get Leads for Health Insurance?
One of the most effective ways to get ACA leads for open enrollment is to partner with a provider whose sole goal is to track down customers most motivated to buy. However, it’s important to remember that, just like you wouldn’t head out on a fishing trip without the proper gear, you shouldn’t try fishing for clients with the wrong provider.
The right team for you will be well-versed in the rules outlined in the Affordable Care Act (ACA) and deeply understand the industry’s nuances, such as only dealing with TCPA-compliant leads. You’ll also want to look for a lead provider or agency that understands your target demographic, including income range, age, location, current insurance status, and other specifics. This will allow you to tailor your pitches to these audiences, and they’ll provide the connections for smooth transitions into final sales.
Additionally, any provider that offers instant or real-time leads should be at the top of your shortlist when choosing who to partner with. Many shoppers are looking to get through the process as quickly and painlessly as possible, and if you can reach them at that very moment of desperation, you can be the person who gives them the relief and peace of mind they deserve in just a short conversation.
Ready to expand your business?
BrokerCalls™ offers highly qualified inbound calls and phone leads. Reach out and get started today.
Let’s Talk
Contact BrokerCalls™ to Buy Qualified ACA Leads for Sale Today
If you’re ready to stop wasting hours searching for leads during the busiest season, reach out to BrokerCalls™ and take advantage of our pay-per-call ACA lead generation system that puts you in direct contact with the people who are actively shopping for insurance in real-time. With years of industry expertise, our team has the right eye to catch leads at the perfect moment and put them at your fingertips for a quick sale at a fraction of the effort of other marketing strategies. Open Enrollment won’t last forever, so call (855) 268-3773 today to access countless ACA leads for sale.
External Source
- Assistant Secretary for Planning and Evaluation – National Uninsured Rate at 8.2 Percent in the First Quarter of 2024
