ACA & U65 insurance calls. Enrollment-ready. Exclusively delivered.
Callflowmarket connects health insurance advertisers with consumers actively seeking ACA and under-65 coverage, and helps publishers monetize enrollment-period traffic through a managed, CMS-compliant pay-per-call network.
Year-round demand, with a significant OEP spike.
ACA and U65 calls come from adults who have identified a real coverage gap, job loss, aging off a parent's plan, self-employment, or a qualifying life event. They're not exploring in the abstract. Enrollment-ready callers have a decision to make.
Callflowmarket manages eligibility filtering, CMS-aligned publisher sourcing, and routing across both OEP and year-round SEP campaigns.
- Payout range
- $15 – $45 per qualified call (higher during open enrollment)
- Call duration
- 90 – 130 seconds minimum for billable status
- Caller profile
- Adults under 65, no employer coverage, SEP trigger or OEP period
- Top traffic
- Google Search, Facebook (life-event targeting), SEO, email, SMS, Spanish-language
- Call qualifiers
- Under 65, no Medicare/Medicaid, income $20K+, no active employer plan
- Compliance
- CMS marketing guidelines · TCPA · State insurance solicitation licensing
Up and running in three steps.
Set your eligibility rules
Licensed states, age cap (under 65), income threshold, subsidy interest, enrollment trigger type.
We source and qualify
Publishers generate calls through CMS-compliant channels. IVR filters eligibility before transfer.
Receive qualified callers
Enrollment-ready callers arrive live to your agents. OEP and SEP demand managed year-round.
ACA and U65 enrollment calls, qualified before they reach your agents.
For health insurance carriers, agencies, FMOs, and enrollment call centers that need compliant volume at scale, without managing CMS-sensitive publisher relationships directly.
- Inbound calls filtered for Medicare/Medicaid exclusions and income eligibility before transfer.
- Routing aligned to your licensed states, language preference, and enrollment period.
- OEP volume ramp managed within the network, no manual scaling of publisher operations during peak.
- CMS-aligned sourcing, publisher advertising must comply with federal marketplace guidelines.
- Exclusive call delivery, calls are not circulated across competing enrollment programs.
- Age
- 18–64, not Medicare-eligible, not Medicaid-enrolled
- Income
- Annual income $20,000+ (ACA subsidy eligibility threshold)
- Coverage status
- No current employer-sponsored or existing ACA marketplace plan
- Enrollment trigger
- OEP, or qualifying SEP event (job loss, marriage, relocation, new dependent)
- Licensed states
- Enforced at routing layer before transfer
- Language
- English and Spanish routing available
OEP scale managed
Volume ramp for open enrollment handled within the network, not through manual publisher expansion.
Eligibility-first filtering
Medicare/Medicaid exclusions and income qualification confirmed before agents are used.
CMS-compliant publisher standards
Non-compliant ACA advertising is excluded from the program before it generates a call.
State routing enforced
Unlicensed state calls blocked at the routing layer.
Bilingual demand
Spanish-language ACA campaigns with matched bilingual advertiser demand.
Year-round continuity
OEP and SEP demand managed as a continuous program, not a seasonal sprint.
Monetize ACA and U65 health insurance traffic with active enrollment-period demand.
Year-round demand with a strong OEP peak. Clear eligibility rules. Bilingual routing. No guessing about what qualifies.
- Active ACA and U65 demand across OEP and year-round SEP campaigns.
- Eligibility rules disclosed before you build a campaign, no retroactive scrub surprises.
- Bilingual routing for Spanish-language ACA traffic, a high-converting, underserved segment.
- Routing that places your calls at the highest-fit advertiser by state, language, and availability.
- OEP peak demand access, advertiser capacity managed so your volume has a destination.
- Google Search (Paid)
- "ACA plans", "health insurance for self-employed", "lost health insurance", highest-intent keywords
- Facebook / Meta
- Life-event targeting (job change, divorce, new baby) maps directly to SEP qualifying triggers
- SEO / organic
- "How to get health insurance without a job" and "ACA enrollment" content drives evergreen organic calls
- Opted-in self-employed and gig economy lists perform well around OEP windows
- SMS
- Re-engagement of warm audiences during enrollment periods
- Spanish-language
- Bilingual callers are underserved by most ACA networks, strong payout potential, lower competition
OEP demand continuity
Advertiser capacity managed for the enrollment spike, your volume has somewhere to go.
Criteria upfront
Eligibility rules disclosed before you spend. No post-campaign scrub surprises.
Bilingual routing
Spanish-language ACA demand with properly matched advertiser programs.
Source protection
Exclusive delivery, your traffic isn't diluted by a shared-lead model.
Year-round monetization
OEP and SEP campaigns kept active across the full enrollment calendar.
Hands-on support
Not a self-service portal. Active coordination across your campaign lifecycle.
Compliance standards for this vertical
ACA campaigns are subject to CMS marketing guidelines, which restrict use of federal marketplace branding and govern benefit representation. Publishers must use CMS-compliant ad copy. TCPA consent documentation required for IVR or callback mechanics. State insurance solicitation licensing applies on the advertiser side.
Frequently asked questions
Common questions advertisers and publishers ask about aca & u65 health pay-per-call campaigns on Callflowmarket.
A performance model where health insurance advertisers pay for qualified inbound calls from consumers seeking Affordable Care Act plans. Publishers generate the calls; Callflowmarket manages qualification, routing, and compliance.
Year-round demand management across OEP and SEP. Exclusive delivery. CMS-aligned sourcing.
Run an ACA and U65 program built around qualified enrollment-ready callers and a continuous, compliant publisher layer.