OEP runs November to mid January. SEP qualifying events run year round. ALE gives you OEP pipeline, SEP qualifying event tracking, post enrollment retention, and the speed to lead automation to catch marketplace leads before the carrier call centers do.
ACA marketplace has brutal lead economics. You pay $15 to $60 per lead, carrier call centers compete with you, and 40 percent of plans churn year over year. If your pipeline does not automate intake, SEP tracking, and retention, you bleed commission.
November and December hit with 50 to 100 leads a day. Calling them in order is losing. Automation triages by subsidy eligibility and metal tier.
Loss of coverage, marriage, new baby, income change all trigger a 60 day SEP window. Miss the window and the lead is gone till next OEP.
Auto re enrollment is not loyalty. 35 percent of clients shop every OEP. Without a retention touch cadence, your book churns fast.
Intake, subsidy check, plan comparison, application, enrollment, confirmation. Every stage has aging thresholds and reminders.
Marriage, baby, loss of coverage, income change each trigger a 60 day window task with deadline reminders.
Intake form collects household size and income, auto calcs APTC eligibility, routes lead to the right quoting path.
Post enrollment touches at day 7, day 30, 90, and 180 days. SEP reminders at income change times.
Anthem, Ambetter, Oscar, UHC enrollment confirmations synced back to pipeline. No manual status updates.
TCPA opt in on every form, Medicare TPMO rules applied to dual eligible leads, DNC scrubbing, call recording disclosure automation.
Writing 200 to 800 on exchange plans a year. Need OEP volume handling, SEP tracking, renewal retention.
Medicare plus Medicaid population. Need crossover rules, SNP routing, community based enrollment tracking.
Team of 3 to 15 agents. Need shared pipeline, round robin lead routing, QA recording review, TPMO compliance monitoring.
Cover California, NY State of Health, or other state exchanges. Need state exchange compliance and reporting workflows.
OEP pipeline, SEP tracking, SMS, review generation. Good fit for solo ACA agents under 500 applications per OEP.
Add AI receptionist, dialer integration, carrier portal bridge, TPMO recording compliance. Standard for 500+ applications or team agents.
Book a 20 minute demo. We will walk through the OEP pipeline, SEP tracking, and retention touch cadence.