Health insurance leads fuel most under-65 benefits agencies, from short-term medical to major medical to supplemental. ClosrLeads delivers real-time and aged health records with timestamped TCPA consent, state and household filters, and a replacement policy for invalid contacts.
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.
Health insurance leads are contact records for consumers inquiring about medical coverage for themselves or their household. The category covers on-exchange ACA plans, off-exchange major medical, short-term medical plans, and the supplemental products that ride alongside them (dental, vision, accident, critical illness, hospital indemnity). Each record carries the standard contact fields, date of birth, state, and the timestamped TCPA consent that authorizes an agent to reach out.
The health lead business is highly seasonal, driven by the November-to-January Open Enrollment Period for individual major medical. Agencies that plan around that calendar can scale lead buying during OEP and pivot to short-term medical and supplemental outside of it.
Industry pricing for aged health leads runs $0.50 to $3.00. Real-time volume leads price $8 to $25; real-time form-filled filtered leads price $20 to $45. Pricing spikes during OEP — a mid-November real-time ACA lead can cost double what the same record costs in July. Short-term medical and supplemental leads have smaller seasonal swings but still follow the general enrollment rhythm.
ClosrLeads quotes health products on the shop page with state, age, and filter options. Aged health starts at $1.00 per lead. Bulk discount codes apply to qualifying orders.
During OEP, real-time health wins decisively because the consumer is actively selecting a plan and the conversation window is measured in days, not weeks. Outside OEP, aged becomes more attractive because supplemental and short-term products allow longer cadence. A typical agency mix is real-time-heavy from November through January, then aged-heavy from February through October, with real-time specialty products (Medicare, short-term) continuing year-round.
All ClosrLeads health records come from opt-in quote forms with explicit TCPA consent language and captured source metadata. Each submission passes duplicate detection, IP and device reputation checks, phone and email validation, and state-specific suppression before delivery or aging. Real-time form-filled products can deliver TrustedForm certificate URLs in the webhook payload where the source supports it.
Under-65 benefits brokers, on-exchange ACA navigators, off-exchange broker shops, short-term medical specialists, and agents cross-selling supplemental products all buy from ClosrLeads. The common thread is a dialer or appointment-setting system that can respond to leads within minutes during OEP and a cadence system that can work them over weeks during the rest of the year.
During OEP, treat every real-time lead as a same-day conversation. Contact rate and application start rate in that window are the key metrics. Run a crisp needs analysis (household size, income, current coverage, preferred network) and get to a plan recommendation on the first call whenever possible — the consumer is comparing carriers in real time and will move to whoever responds first with real answers.
Outside OEP, health leads behave more like the rest of insurance. Run a 10 to 14 touch cadence for aged, lead with SMS, and cross-sell supplemental on any conversation that starts with an off-exchange quote. Track per-source application start rate separately from contact rate; some sources have consumers who engage but do not convert, and that is a different fix than a dead-dial problem.
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 health insurance 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.
Agents writing short-term medical, indemnity, and supplemental plans. Needs year-round flow with an OEP surge, strong contact rates, and compliant consent records.
Brokers working on-exchange and off-exchange plans, including ACA. Real-time is most valuable during open enrollment; aged carries the off-season pipeline.
Teams cross-selling health, dental, vision, accident, and critical illness. Wants lead flow broad enough to support multi-product conversations.
"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."
Pick a lead type, choose your states, and start receiving leads the same day.
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