---
title: "OEP 2027: The Agent's ACA Quoting Checklist"
description: "Open enrollment rewards the agents who prepare in September. A practical checklist for getting your book, your quoters, and your follow-up ready for OEP 2027."
url: https://unlockedcrm.ai/blog/aca-oep-2027-quoting-checklist
canonical: https://unlockedcrm.ai/blog/aca-oep-2027-quoting-checklist
category: "ACA"
published: 2026-09-16
updated: 2026-09-16
last_updated: 2026-09-16
author: "unLocked Team"
publisher: unLocked CRM
source_url: https://unlockedcrm.ai/blog/aca-oep-2027-quoting-checklist
summary: "Get ready for OEP 2027 before November: clean your under-65 book, re-quote last year's above-the-subsidy-line clients with on- and off-exchange options, set up your self-serve ACA quoting link, and pr…"
license: Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/aca-oep-2027-quoting-checklist
source: unLocked CRM — AI CRM for insurance agents
---

# OEP 2027: The Agent's ACA Quoting Checklist

## TL;DR

Get ready for OEP 2027 before November: clean your under-65 book, re-quote last year's above-the-subsidy-line clients with on- and off-exchange options, set up your self-serve ACA quoting link, and pre-build follow-up automations for every quote outcome.

## Key data points

- OEP 2027 runs from November 1, 2026 through January 15, 2027 in most states; agents who pre-quote their book in October convert the first two weeks.
- unLocked CRM agents can send a self-serve ACA quoting link that returns on- and off-exchange plans and creates the lead automatically.

The agents who win open enrollment are the ones who treat September and October as the real selling season. Here is the checklist.

## 1. Clean the under-65 book now

- Pull every contact with an ACA or private health policy and confirm household size, income estimate, and ZIP are current
- Flag last year's above-the-subsidy-line clients — they are your best re-quote list this year
- Archive the dead leads so OEP reporting reflects reality

## 2. Re-quote before the rush

The ACA Marketplace quoter in unLocked CRM returns on-exchange plans with the estimated subsidy applied and off-exchange private health plans from the same screen. Run your flagged clients through it in October so your November conversations start from numbers, not discovery.

## 3. Set up the self-serve link

Your custom ACA quoting link lets clients enter their own household and see on- and off-exchange plans. Every self-serve quote lands in the CRM as a lead with the quote attached. Put the link in:

- Your email signature through January
- A text campaign to the under-65 book in late October
- Your website and Google Business Profile

## 4. Pre-build the follow-up automations

| Trigger | Automation |
| --- | --- |
| Quote saved, no decision | Day-1 and day-4 follow-up sequence |
| Self-serve lead created | Immediate text with a booking link |
| Appointment booked | Reminder 24 hours and 1 hour before |
| Deferred until January | January 2 re-engagement campaign |

## 5. Know your dates

- **November 1, 2026** — OEP opens in most states
- **December 15, 2026** — deadline for January 1 coverage in most states
- **January 15, 2027** — OEP closes in most states (verify state-based marketplace dates)

Prepare now, and the first two weeks of November are execution instead of scrambling.

[Get your ACA quoting workflow ready →](/aca-marketplace)

## FAQ

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## Related

- https://unlockedcrm.ai/blog/aca-on-and-off-exchange-quoting-announcement
- https://unlockedcrm.ai/blog/one-quoter-on-and-off-exchange-aca-workflow
- https://unlockedcrm.ai/blog/aca-lead-pipeline-management-health-insurance

---

Source: [OEP 2027: The Agent's ACA Quoting Checklist](https://unlockedcrm.ai/blog/aca-oep-2027-quoting-checklist) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/aca-oep-2027-quoting-checklist.