What types of ACA leads does LeadCo sell?

Three primary segments: (1) Self-employed / 1099 / freelance health insurance — consumers shopping marketplace plans because they don't have employer coverage. Subsidy-eligible based on net Schedule C income. (2) Family ACA marketplace — households shopping coverage during Open Enrollment or after a Qualifying Life Event. (3) Loss-of-coverage SEP — consumers who recently lost employer coverage (job change, COBRA exhaustion, age-out at 26) and have a 60-day Special Enrollment window. All leads include MAGI band where consumer disclosed it, allowing pre-filtering for subsidy-likely vs full-price prospects.

What does 'exclusive' mean for an ACA lead?

Each ACA lead is sold to exactly ONE agent. We don't sell to multiple agents simultaneously, don't resell after delivery, and don't recycle aged leads back into the active pool. The contrast: most ACA aggregators sell each lead 5+ times, which means by the time you call the consumer has already taken multiple agent calls and likely won't pick up. Exclusive model gives you the actual first conversation.

How does the Open Enrollment volume cycle work?

Federal ACA Open Enrollment runs November 1 – January 15. Volume during OE is 8–12x the off-season daily lead flow. Within OE, the largest single-day spike is around the December 15 deadline for January 1 coverage (consumers waiting until the last minute). Year-round, Special Enrollment Period triggers (loss of coverage, marriage, birth/adoption, move, income changes) generate continuous lead flow at lower daily volume. Self-employed sub-segment is more evenly distributed across the year because self-employed consumers shop based on tax-year planning windows.

How fast does a real-time ACA lead arrive?

Real-time leads arrive within 10–60 seconds of consumer form submission — delivered via API webhook (recommended), email, SMS, or all three based on agent preference. Speed-to-call is the biggest single predictor of close rate. Industry data: agents calling within 5 minutes of inquiry contact 100x more leads than agents calling after 30 minutes. The first agent to reach the consumer wins the conversation.

What's TCPA compliance look like for ACA leads?

Every consumer lead includes TCPA-compliant prior express written consent: (1) consumer affirmatively checks a box agreeing to receive calls and texts, (2) consent language explicitly names licensed insurance agents and partners as calling parties, (3) consent text, timestamp, IP address, user agent, and source URL captured and provided with the lead. We retain consent records for the full 4-year TCPA statute of limitations and provide them on request for any contested call. You should still respect consumer revocation requests and maintain internal DNC.

What's a typical ACA lead price?

Pricing varies by segment, geography, and time of year. ACA marketplace exclusive real-time runs $18–$40 during Open Enrollment volume; $25–$50 off-season. Self-employed sub-segment commands a premium ($30–$55) because of higher LTV and more concentrated need. Loss-of-coverage SEP leads $22–$45. Aged ACA leads (30+ days) at significant discount. Volume agreements available.

Can I filter ACA leads by MAGI / subsidy eligibility?

Yes — to the extent the consumer disclosed estimated MAGI on the form. Common filter: 'subsidy-likely' (MAGI under 400% FPL band) vs 'unsubsidized' (above the cliff or marketplace shopping by choice). Self-employed consumers often don't have a precise MAGI at form-submission time because of self-employment income variance; we capture estimated annual income and household size, which lets you screen for likely subsidy band. Filtering is best-effort given consumer-provided data quality.

Are these on-exchange (marketplace) only?

No — leads include both on-exchange (subsidy-eligible) and off-exchange (no subsidy, often by income or choice) shoppers. Off-exchange leads are particularly valuable for agents with broker appointments at carriers offering off-exchange-only plan designs (some carriers offer plans only outside the marketplace).

ACA / Obamacare Leads for Agents — Exclusive, Real-Time, TCPA-Compliant

Why ACA exclusive matters

The ACA marketplace lead aggregator industry sells the same lead to 5–8 agents simultaneously. By the time you call, the consumer has already taken multiple agent calls — and during Open Enrollment, when a consumer can be on the phone with three agents in the same hour, "the lead is dead" hits hard. Industry close rates on shared ACA leads run 1–4%.

LeadCo's exclusive model: each ACA lead is sold to exactly one agent. No shared distribution. No resale. No aged-recycle. You're the first and only agent calling that consumer. Close rates on exclusive real-time ACA leads run 6–14% during Open Enrollment and 8–18% on subsidy-likely self-employed sub-segments.

1Agent per lead — no shared, no resale

8-12xOpen Enrollment vs off-season volume

6–14%Typical close rate, established agents

100%TCPA-compliant consent capture

ACA segments we sell

Self-employed / 1099 / freelance

Consumers shopping marketplace coverage because they don't have employer health insurance — solopreneurs, freelancers, 1099 contractors, gig workers, small-business owners, early retirees. This segment is more evenly distributed across the year (less Open Enrollment-concentrated than family ACA) because self-employed consumers shop based on tax-year planning windows, especially around quarterly estimated tax recalibration. Higher LTV — self-employed consumers tend to be more engaged and retain longer.

Family ACA marketplace

Households shopping marketplace coverage during Open Enrollment or after a Qualifying Life Event. Higher volume than self-employed during Nov 1 – Jan 15. Subsidy-eligibility filtering available where consumer disclosed estimated household income.

Loss-of-coverage SEP

Consumers who recently lost employer coverage (job change, layoff, COBRA exhaustion, age-out at 26) and have a 60-day Special Enrollment Period to enroll on the marketplace. Highest urgency segment; consumers actively need to replace coverage on a deadline. Often paired with the COBRA-vs-marketplace decision tree which subsidized marketplace usually wins for those with reduced income.

Geographic and intent filtering

State — match your marketplace certification footprint
County or ZIP — territory definition for agencies
Segment — self-employed only, family only, all ACA, etc.
MAGI band — best-effort filter for subsidy-likely (sub-400% FPL) vs unsubsidized; based on consumer-disclosed household income at form submission
Daily/weekly cap — match agent capacity
SEP vs OE — SEP-triggered leads can be filtered separately for agents specializing in mid-year placement

Sample ACA lead format

{ "lead_id": "LC-ACA-20260430-12733", "timestamp": "2026-04-30T15:14:42Z", "segment": "self_employed", // self_employed | family | sep_loss_of_coverage "first_name": "Maria", "last_name": "Reyes", "email": "maria.r@example.com", "phone": "+13055550138", "date_of_birth": "1981-03-22", "zip": "33139", "city": "Miami Beach", "state": "FL", "household_size": 2, "estimated_magi": 62000, // ~310% FPL — subsidy-likely "current_coverage": "none", "sep_trigger": null, "interested_in": ["silver_csr","hdhp_hsa"], "source_url": "https://buyhealthins.com/aca-subsidy-calculator.cfm", "tcpa_consent": { /* consent_text, timestamp, ip, ua */ } }

Pricing

Segment	OE (Nov-Jan)	Off-season	Aged (30+ days)
ACA family exclusive real-time	$18–$40	$25–$50	$5–$12
Self-employed exclusive real-time	$30–$55	$32–$60	$8–$18
SEP loss-of-coverage exclusive	$22–$45	$25–$50	$6–$14

Custom lead campaigns built to fit your geography, segment focus (self-employed / family / SEP), and volume needs. We quote per-agency based on your profile and tailor the campaign around Open Enrollment / off-season cycles.

ROI math worked example

Established ACA-certified agent, Open Enrollment, self-employed segment at $40/lead:

100 leads × $40 = $4,000 cost
10% close rate = 10 enrollments
Average ACA marketplace commission ≈ $24/month per member-month, paid as long as enrollee retains policy
10 enrollments × $24 × 12 months = $2,880 first-year revenue
Plus ongoing renewal commission (typical persistency: 2.5–4 years for self-employed)
Net positive within year 2; multi-year LTV typically $7,000–$11,000 per cohort

Representative example, not a guarantee. Self-employed segment commands premium pricing and earns it via higher LTV. Family-segment LTV is typically lower (more frequent plan switching).

TCPA compliance

Same as Medicare: prior express written consent via affirmative checkbox, explicit consent language naming licensed agents, full audit trail (timestamp, IP, user agent, source URL, exact consent text) captured and retained 4 years.

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Other lead types

LeadCo also sells Medicare leads for agents and life insurance leads for agents.

Exclusive Real-Time ACA Marketplace Leads