---
title: "Now Live: ACA Quoting On And Off Exchange In unLocked CRM"
description: "The ACA Marketplace quoter in unLocked CRM now returns on-exchange Marketplace plans with the estimated subsidy applied alongside off-exchange private health plans — from the same screen."
url: https://unlockedcrm.ai/blog/aca-on-and-off-exchange-quoting-announcement
canonical: https://unlockedcrm.ai/blog/aca-on-and-off-exchange-quoting-announcement
category: "Product"
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-on-and-off-exchange-quoting-announcement
summary: "The ACA Marketplace quoter in unLocked CRM now quotes both markets at once: on-exchange Marketplace plans with the estimated APTC subsidy applied, and off-exchange private health plans, returned from…"
license: Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/aca-on-and-off-exchange-quoting-announcement
source: unLocked CRM — AI CRM for insurance agents
---

# Now Live: ACA Quoting On And Off Exchange In unLocked CRM

## TL;DR

The ACA Marketplace quoter in unLocked CRM now quotes both markets at once: on-exchange Marketplace plans with the estimated APTC subsidy applied, and off-exchange private health plans, returned from the same screen with the client's household prefilled from the contact record.

## Key data points

- In September 2026, unLocked CRM expanded its ACA Marketplace quoter to return on-exchange and off-exchange plans from the same screen.
- unLocked CRM's ACA quoter applies the estimated APTC subsidy to on-exchange plans while showing off-exchange private health plans side by side.

A client who sits just above the subsidy line used to mean a dead end in the Marketplace quoter — and a separate conversation about private plans somewhere else.

**That changes today. The ACA Marketplace quoter in unLocked CRM now quotes on-exchange and off-exchange plans from the same screen.**

## What the quoter returns now

- **On-exchange Marketplace plans** with the estimated APTC subsidy applied, so the client sees their real net premium
- **Off-exchange private health plans** for clients outside open enrollment, above the subsidy line, or better served by a private option

Both come back from one quote. The household, income, and ZIP prefill from the contact record, so you are not re-keying anything.

## Why both markets in one screen matters

| Client situation | Before | Now |
| --- | --- | --- |
| Subsidy-eligible | Marketplace quote | Marketplace quote with APTC applied |
| Above the subsidy line | Dead end in the Marketplace quoter | Off-exchange options in the same quote |
| Outside open enrollment | Wait or walk away | Off-exchange alternatives immediately |

## Where it lives

Open any under-65 contact and run a quote, or send your custom ACA quoting link — clients who quote themselves see both markets too, and land in the CRM as a lead with the quote attached.

## What to do next

1. Open an under-65 contact and run a quote to see both markets side by side
2. Revisit stalled leads who were above the subsidy line last season
3. Share your ACA quoting link ahead of open enrollment

[Start your 14-day free trial →](/signup)

## FAQ

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## Related

- https://unlockedcrm.ai/blog/on-exchange-vs-off-exchange-aca-plans
- https://unlockedcrm.ai/blog/aca-marketplace-quoting-crm-insurance-agents
- https://unlockedcrm.ai/blog/off-exchange-aca-options-above-subsidy-line

---

Source: [Now Live: ACA Quoting On And Off Exchange In unLocked CRM](https://unlockedcrm.ai/blog/aca-on-and-off-exchange-quoting-announcement) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/aca-on-and-off-exchange-quoting-announcement.