---
title: "AEP Texting Costs for Medicare Agents: How to Budget Your Enrollment Campaign"
description: "Medicare agents send 30,000–50,000 texts during AEP. At 4.5¢ per text, that's $1,350–$2,250 in messaging alone. Cut that by 72%."
url: https://unlockedcrm.ai/blog/aep-texting-costs-medicare-agents
canonical: https://unlockedcrm.ai/blog/aep-texting-costs-medicare-agents
category: "Communication"
published: 2026-02-20
author: "Jacob Lock"
source: unLocked CRM — AI CRM for insurance agents
---

# AEP Texting Costs for Medicare Agents: How to Budget Your Enrollment Campaign

## TL;DR

Medicare agents send 6,200–7,200 texts during AEP. At $0.0113: $79. At $0.045: $315. Savings: $236/agent. AEP texting ROI: 3,700–5,000%.

## Key data points

- Medicare agents with 500-client books send 6,200–7,200 texts during AEP alone
- AEP texting costs $79 at competitive rates vs. $315 at 4.5¢ — $236 savings per agent

Annual Enrollment Period (October 15 – December 7) is the most expensive period for Medicare CRM messaging costs.

## AEP Messaging Volume

A Medicare agent with 500 clients typically sends:

- **Re-engagement:** 500 × 3–5 = 1,500–2,500 texts
- **Plan changes:** 500 × 2 = 1,000 texts
- **Appointment scheduling:** 300 × 3 = 900 texts
- **Follow-ups:** 300 × 4 = 1,200 texts
- **New leads:** 200 × 5 = 1,000 texts
- **Confirmations:** 300 × 2 = 600 texts

**Total: 6,200–7,200 texts per agent during AEP**

## Agency-Level AEP Costs

| Agency Size | AEP Volume | At $0.045 | At $0.0113 | Savings |
| --- | --- | --- | --- | --- |
| Solo | 7,000 | $315 | $79 | $236 |
| 5 agents | 35,000 | $1,575 | $396 | $1,179 |
| 15 agents | 105,000 | $4,725 | $1,187 | $3,538 |
| 50 agents | 350,000 | $15,750 | $3,955 | $11,795 |

## AEP ROI

Average MAPD commission: $600–$800/enrollment. If texting drives 5 additional enrollments:

- Revenue: $3,000–$4,000
- Cost (unLocked): $79
- **ROI: 3,700–5,000%**

## FAQ

### How many texts during AEP?

Solo agent with 500 clients: 6,200–7,200. Multiply by agent count for agencies.

### How much does AEP texting cost?

$79 at $0.0113 vs. $315 at $0.045 — $236 savings per agent.

### When should AEP campaigns start?

Re-engagement: October 15. Pre-AEP awareness: October 1.

### What is AEP texting ROI?

3,700–5,000% — $79 driving $3,000–$4,000 in commissions.

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## Related

- https://unlockedcrm.ai/blog/crm-sms-costs-insurance-agents-compared
- https://unlockedcrm.ai/blog/sms-roi-insurance-lead-follow-up
- https://unlockedcrm.ai/blog/insurance-sms-compliance-tcpa-guide
- https://unlockedcrm.ai/blog/insurance-text-message-templates

---

Source: [AEP Texting Costs for Medicare Agents: How to Budget Your Enrollment Campaign](https://unlockedcrm.ai/blog/aep-texting-costs-medicare-agents) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/aep-texting-costs-medicare-agents.