The ACA CRM Built for Marketplace Agents.
For ACA agents and agencies: assign household leads, quote on and off exchange with subsidy estimates, enroll through HealthSherpa, and keep team follow-up, OEP/SEP reviews, policy records, and commissions connected. Seats start at $69 per user per month; Commission Auto Sync reconciliation is on Max and usage is billed separately.
Choosing A CRM For ACA Agencies
unLocked CRM connects ACA agency leads, household records, assigned agents, on- and off-exchange quotes, follow-up, renewals, and carrier commissions. HealthSherpa remains the enrollment engine; unLocked is the control center for the team and its book. This serves agency operations, not consumers shopping for a health policy.
- Assign household leads and service work to the right agent, and retain consent, communication, and outstanding tasks on the record.
- Review household income and size, spouse, up to six dependents, doctors, and prescriptions imported into the ACA quoter; verify subsidy estimates before presenting options.
- Keep the ACA Intake Link, the quote comparison, and HealthSherpa enrollment separate; confirm OEP or SEP eligibility and any required documents.
- Track renewal reviews, changes in household circumstances, policy status, and per-member payments across the agency; use role permissions and production views for team oversight.
Check It In A Demo
Assign a sample household to an agent, review its saved details, compare supported on- and off-exchange plans, inspect the HealthSherpa ACA connection, and identify the next service or renewal task. Reconcile a sample carrier payment separately.
ACA intake collects information, not quotes or enrollment. Enrollment is not completed from the unLocked ACA quoter; use the enrollment platform. Off-exchange quoting does not remove eligibility or enrollment-window requirements. Commission Auto Sync reconciliation is on Max; messaging, calling, and AI usage are separate from seat pricing. Customer data is never used for AI training.
One Household, Lead to Renewal, on One Record.
Lead forms, quoter, enrollment site, dialer, and commission spreadsheet are five tools in most ACA practices. Here they are five steps on the contact.
01
Catch the lead
Facebook and TikTok lead forms, lead vendors, calls, and your own branded quote link all land on one record, assigned to the agent who owns it.
02
Quote both markets
On-exchange Marketplace plans with subsidy estimates and off-exchange private plans in the same quoter, so the client above the subsidy line still gets an answer.
03
Enroll in HealthSherpa
HealthSherpa Medicare and HealthSherpa ACA are both live. Quote and enroll where you already work, and the household, plan, and effective dates come back to the contact.
04
Work the SEP
Loss of coverage, a birth, a marriage, or a move triggers the sequence that gets the enrollment done inside the window.
05
Keep the household and the commission
Renewal and OEP re-shop lists, family coverage gaps, and Commission Auto Sync matching every per-member payment to the policy it belongs to.
Two Markets, One Quoter.
Most ACA tools stop at the subsidy line and the client hears "I can't help you." The quoter covers both sides of the market for the same household.
- On-exchange Marketplace quoting with subsidy estimates for the household
- Off-exchange private plan comparisons, subject to plan eligibility and enrollment rules
- Household members quoted together, so the family sees one recommendation
- A branded quote link clients can use themselves, day or night, landing in your pipeline
- Cost-sharing reduction levels handled correctly, including CSR-100 tribal cases
The Tools an ACA Agent Actually Uses.
Quoting, households, and the self-service link, all on the same record as the calls and the campaigns.
ACA Marketplace
On- and off-exchange under-65 quoting with subsidy estimates, metal levels, and household comparison.
Learn morePrivate health plans
Off-exchange alternatives for the client a subsidy will not help, priced beside the Marketplace option.
Learn moreBranded quote link
Send it or put it in an ad. Clients quote themselves and arrive as a contact assigned to you.
Learn moreFamily Trees
A visual map of the household that flags uncovered members and anyone turning 65 in the next six months.
Learn moreOEP Volume and SEP Windows, Worked Automatically.
ACA income arrives in a rush and leaks the rest of the year. The follow-up here runs from the record, not from memory.
SEP and OEP automation
Qualifying life events trigger enrollment sequences, and Nov 1 to Jan 15 volume runs on re-shop and plan-change campaigns.
Learn moreSpanish and multi-language
LATAM Spanish, French Canadian, and Brazilian Portuguese written natively at the sequence and voice level, not translated at send time.
Learn moreAgent AI outbound
Follow-up calls in your own cloned voice, in 32 languages, with every call transcribed to the contact.
Learn moreArwyn on the callback
Inbound answered, qualified, and booked around the clock through the busiest weeks of the year.
Learn moreAI Chatbot
Website and SMS conversations answered and booked 24/7, with consent, quiet hours, and opt-outs enforced.
Learn moreunLocked AI in the record
Ask it to draft the follow-up, log the call, pull the list, or move the case. It works inside the CRM, on instruction.
Learn moreACA Outreach and Medicare Outreach, Kept Apart.
Agents who write both lines cross a line without meaning to. Medicare cross-sell over an ACA channel is blocked unless the consent and Scope of Appointment CMS expects are already on the record, consent and opt-outs are enforced on every campaign, and A2P 10DLC registration is handled for you at no cost.
See compliancePer-Member Payments, Reconciled to the Policy.
ACA pays per member per month, which is exactly where a spreadsheet stops being honest. Commission Auto Sync logs into your carrier portals with the credentials you enter once, pulls each statement on the carrier's schedule, matches every line to the policy, and lists each exception with the carrier and the dollar amount: missing payments, underpayments, unmatched deposits, and chargebacks on non-payment. 332 carrier connections. Included on Max.
See Commission Auto SyncWhy Not an Enrollment Site, an AMS, or a Generic CRM?
The tools ACA agents usually evaluate cover one part of the season. Anything missing quoting, households, SEP automation, or commission reconciliation leaves the rest on you.
HealthSherpa alone
A best-in-class quoting and enrollment engine, and not a CRM. Without unLocked, lead lists live in spreadsheets and calls come from a personal cell.
How the bridge worksData APIs (Ideon, Vericred)
Plan and rate data for developers. Nothing an agent can work a book in.
GoHighLevel
A generic CRM with no subsidy or CSR handling and no enrollment bridge. Every ACA workflow is an automation you build and maintain.
Switch from GoHighLevelDialer-first CRMs (Ringy, Radius)
Calling and contacts only, with quoting, households, and commissions left outside the tool.
ACA CRM FAQ
What is an ACA CRM?
A system of record built for Marketplace agents rather than a generic CRM with a health tag. It has to quote on and off exchange with subsidy estimates, handle households, trigger special enrollment period sequences, run Spanish-language follow-up, keep Medicare and ACA outreach separate, and reconcile per-member commissions.
Can I quote off-exchange plans too?
Yes. The quoter covers on-exchange Marketplace plans with subsidy estimates and off-exchange private plans in the same view, so a client above the subsidy line still gets a real recommendation.
Does unLocked replace HealthSherpa?
No. HealthSherpa stays your enrollment engine. unLocked is the control center around it: leads, calls, sequences, SEP triggers, households, commissions, and compliance separation. HealthSherpa Medicare and HealthSherpa ACA are both live today.
Does it handle CSR and tribal cases?
Yes. Cost-sharing reduction levels, including CSR-100 tribal cases, are recognized so those clients are not quietly routed into a standard subsidy workflow.
Does it support Spanish-language workflows?
Yes. LATAM Spanish, French Canadian, and Brazilian Portuguese are native at the campaign and voice-AI level, so the follow-up reads like it was written by a person.
How are ACA commissions handled?
Commission Auto Sync pulls carrier statements, matches per-member-per-month payments to the policy, and flags missing payments, underpayments, unmatched deposits, and chargebacks across 332 carrier connections. Included on Max.
How much does it cost?
Core is $69, Pro is $149, and Max is $247 per user per month, with a 14-day free trial. Standard quoting, the dialer, and unLocked AI are in every seat. Pro adds AI quoting, Agent AI, Arwyn, voice cloning, and the AI Chatbot. Live E-Apps for supported life, Medicare, and ancillary products are included on Core; ACA enrollment stays on the enrollment platform. Commission Auto Sync reconciliation is on Max. Messaging, calling, and AI usage are billed separately.