An open enrollment dialer strategy for health insurance agents
Open enrollment compresses a year of selling into a few weeks. How to plan dialer campaigns before, during and after ACA open enrollment.
·2 min read
Published by Text2Sale · Updated . Product questions or corrections: support@text2sale.com.
For agents selling under-65 health insurance, the ACA open enrollment period is when most of the year's policies get written. On HealthCare.gov it runs from November 1 to January 15, and plans picked by December 15 start on January 1. Some state exchanges use different dates.
The agents who do best plan their calling before November, not during it.
September and October: build and clean lists
Gather last year's clients, past applicants who did not enroll, and aged leads. Deduplicate, scrub against the Do Not Call Registry, and upload each group as its own file so you can dial them separately.
Early November: clients first
Call existing clients before anyone else does. Their plans and subsidies may change for the new year, and a check-in call keeps them with you. Use a single line for client calls; these are relationships, not volume.
November to mid-December: volume
This is when predictive dialing on aged leads and past applicants pays off. Mention the December 15 deadline for January 1 coverage. Dial across time zones through the day, starting east and moving west.
- ✓Mornings: Eastern and Central leads
- ✓Afternoons: Mountain and Pacific leads
- ✓Evenings: callbacks and Interested follow-ups
After December 15 and January
Remaining prospects can still enroll until January 15 for coverage starting February 1 on HealthCare.gov. After that, only people with a qualifying life event can enroll, so note life changes in your call notes for special enrollment follow-ups.
Key takeaways
- →HealthCare.gov open enrollment runs November 1 to January 15.
- →Enrollment by December 15 means coverage starts January 1.
- →Call existing clients first, then dial aged lists for volume.
- →Note life events for special enrollment follow-up.
Put this into practice with Text2Sale
Import leads, create follow-up campaigns, organize replies, and connect texting, calling, and appointments in one workspace.
Frequently asked questions
Do state exchanges use the same dates?
Not always. Several state-based exchanges extend open enrollment. Check the dates for the states you sell in.
Should I dial on weekends?
Weekend calling can work during open enrollment, within legal hours and any state limits. Keep the same local-time rules.