ACA leads are consumer inquiries about individual major medical coverage through the health insurance marketplace. ClosrLeads delivers real-time and aged ACA records with timestamped TCPA consent and state, household, and income filters, built for the seasonal rhythm of OEP and the SEP flow around qualifying life events.
Every product below is built for licensed insurance agents and agencies. Pricing starts at $1.00 per lead on aged volume; real-time and niche-filtered pricing varies by filter set, state, and daily volume. Live pricing and available filters are on the shop page.
ACA leads are consumer inquiries about individual major medical coverage through the health insurance marketplace established by the Affordable Care Act. The prospect is typically shopping for a plan for themselves or their family and may be eligible for advance premium tax credits based on household income. Records include the standard contact fields plus household size and income band where the source captured them, and the timestamped TCPA consent that allows a licensed marketplace agent to follow up.
The ACA business is intensely seasonal. November through mid-January is peak. The rest of the year is SEP territory — smaller volume but often higher conversion because the lead already has a qualifying life event driving urgency.
Aged ACA leads run $0.50 to $3.00. Real-time ACA volume leads run $8 to $25. Real-time form-filled filtered ACA leads with household size and income band can run $20 to $45 during OEP and ease off during SEP. Pricing spikes in early-to-mid November and again in the final week of OEP as consumers race to complete enrollment.
Real-time dominates during OEP. The consumer is actively selecting a plan for a specific effective date; speed wins. Aged is the SEP workhorse — longer cadence, more SMS, and patient follow-up on consumers who may not know they have a qualifying event until the agent explains it to them.
All ClosrLeads ACA records come from web-based quote forms with explicit TCPA consent language. Source page, click timestamp, IP, and user agent are captured and preserved with the record. Submissions pass duplicate detection, IP and device reputation checks, phone and email validation, and state-specific suppression (including separate handling for state-based marketplace states). Real-time form-filled products can deliver TrustedForm certificate URLs where the source supports it.
Licensed marketplace agents and agencies, enrollment centers, and multi-state broker shops buy ACA leads from ClosrLeads. The common thread is an enrollment platform (EDE or carrier portal) that can quote, submit, and confirm a plan application end-to-end, plus a CRM that can keep the renewal relationship alive until the next OEP.
During OEP, aim for same-day contact and same-week enrollment. Consumers are comparing plans across multiple carriers; the broker who runs a crisp household discussion (size, income, current coverage, preferred network, prescription needs) and submits a plan the same or next day usually wins the case. Do not quote from memory — use the enrollment platform live with the consumer so the APTC calculation is accurate.
During SEP, cadence and trigger-event detection matter more than speed. Many consumers with a qualifying event do not know they have one. An agent who can walk a caller through the list of SEP-qualifying events converts leads that a speed-focused OEP-era broker would have discarded.
Every record includes the fields licensed agents need to open a conversation and stay compliant. Additional fields may be available for real-time and niche lead types depending on the source and filter set.
Delivery: CSV file with column headers for aged, real-time webhook (JSON POST) for live flows, or both in parallel.
Every aca lead delivered through ClosrLeads is captured with timestamped, affirmative consent that documents who consented, when, how, and on what web property. The consent record is available on request, and is what your compliance team will need if a call or text is ever challenged under the Telephone Consumer Protection Act (TCPA) or state telemarketing rules.
Beyond opt-in capture, submissions are screened against duplicate, DNC, and quality signals, and high-risk inputs are filtered out before delivery. Buyers are responsible for maintaining their own calling-time windows, DNC policy, agent training, and state-level registrations. We document the consent; you document the agent behavior. Used together, the two form a defensible TCPA posture.
For the full regulatory picture, the FCC and FTC publish guidance on TCPA and telemarketing rules. Agents should also review their state insurance department bulletins for any state-specific requirements around lead calls, texts, and solicitation language.
High-volume agency that scales up for the November-to-January window, runs real-time leads at peak, and reduces spend during the rest of the year.
Broker focused on Special Enrollment Period eligibility: loss of coverage, marriage, birth, relocation. Works aged inventory year-round and filters for likely SEP triggers.
Licensed across many states, needs consistent lead flow across multiple federal and state-based marketplaces, values state-level suppression and broad filter controls.
"We hit quota our second month using this. Great team and lightning-fast delivery that actually works."
"High quality leads and they helped us tune our dialer scripts. Support team is incredibly responsive."
"Quality verified leads at a fair price. ROI has been excellent. Highly recommend for serious agencies."
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