Loading page
Consumers comparing ACA marketplace, short-term and individual plans, in and out of open enrolment.
Health insurance demand is not evenly distributed. Open enrolment concentrates an enormous share of the year's decisions into a few weeks, and the special enrolment periods that follow are triggered by events, a job change, a marriage, a birth, a move, rather than by advertising. Planning around that shape matters more than it does in almost any other vertical. A campaign built for November volume and left running unchanged in March will spend against an audience that cannot legally act on what it is being offered.
We treat the enrolment calendar as a structural input rather than a seasonal note. Campaign mix, creative angle and screening criteria all change between open enrolment and the rest of the year, because the consumer on the other end is in a materially different position.
The expensive failure in health insurance is a caller who is genuinely interested and entirely ineligible. Someone already covered by an employer plan, or eligible for Medicare, or living outside the states a broker is appointed in, will hold an agent on the phone for several minutes and produce nothing. At volume, that is the difference between a channel that works and one that quietly drains a budget.
Our screening front-loads the disqualifiers. Household size, approximate income band relative to subsidy thresholds, current coverage status, state of residence and qualifying-event status are established before a transfer, because each of them can independently end the conversation. What reaches the buyer is a caller who can actually enrol.
Health insurance advertising is scrutinised closely, and the enforcement risk sits with the brand as much as with the source. Claims about cost, subsidy eligibility or plan benefits have to be accurate and qualified, and the line between a compelling headline and a misleading one is narrower here than in most categories.
We review creative in this vertical before it runs, hold publishers to the same standard as our own properties, and remove sources whose messaging drifts. Consent is captured against a named disclosure and retained with the record. None of this is a differentiator so much as the cost of operating in the category responsibly, but it is worth stating plainly, because not everyone does it.
Health suits licensed brokers and carriers with appointed capacity in multiple states and the staffing to absorb concentrated enrolment-period volume.
Set at onboarding and written down. Changing any of it is a conversation, not a silent adjustment.
Yes, against special enrolment periods and short-term products. The screening criteria change, qualifying-event status becomes a hard filter, and we scope the campaign separately rather than letting an OEP setup run on.
Tell us which side you are on and what you are trying to grow. We will come back with a scoped test campaign, the filters we would apply, and what we would need from you to run it properly.
Start on a capped test campaign. If the calls do not meet the standard we agreed, you do not pay for them.
Or call +1 (866) 555-0142 during Monday to Friday, 9:00 AM to 6:00 PM ET