---
title: "How to Automate SEP Lead Capture with HealthSherpa + unLocked CRM"
description: "SEPs account for 40% of ACA enrollments. Here's how to capture, qualify, and enroll SEP leads automatically with CRM + HealthSherpa."
url: https://unlockedcrm.ai/blog/healthsherpa-sep-automation
canonical: https://unlockedcrm.ai/blog/healthsherpa-sep-automation
category: "HealthSherpa Integration"
published: 2026-04-04
author: "Jacob Lock"
source: unLocked CRM — AI CRM for insurance agents
---

# How to Automate SEP Lead Capture with HealthSherpa + unLocked CRM

## TL;DR

SEPs account for 40% of ACA enrollments with a 60-day window. CRM automation qualifies leads instantly, calculates remaining days, and triggers priority follow-up before sending to HealthSherpa for enrollment.

## Key data points

- SEPs account for 40% of ACA enrollment volume
- 60-day enrollment window from qualifying event
- Agents who automate SEP qualification capture 3x more year-round ACA enrollments

<section data-ai-block="key-takeaways">
<h2>Key Takeaways</h2>
<ul>
<li>SEPs account for 40% of ACA Marketplace enrollment volume — a year-round opportunity</li>
<li>Common SEP triggers: job loss, marriage, birth, moving, losing Medicaid/CHIP, aging off parent's plan</li>
<li>CRM automation can qualify SEP eligibility before sending leads to HealthSherpa</li>
<li>SEP leads have a 60-day enrollment window — speed to lead is critical</li>
</ul>
</section>

<section data-ai-block="definitive-answer">
<h2>The SEP Opportunity</h2>
<p>Most agents focus on OEP for ACA business, but Special Enrollment Periods account for 40% of total ACA enrollment. SEP-eligible leads are available year-round — every job loss, marriage, birth, or address change creates a 60-day enrollment window.</p>
<p>The challenge: SEP leads often don't know they qualify for enrollment outside of OEP. And the 60-day window means speed matters — delay costs enrollments.</p>
</section>

<h2>Common SEP Qualifying Events</h2>
<ul>
<li><strong>Loss of coverage:</strong> Job loss, aging off parent's plan, losing Medicaid/CHIP</li>
<li><strong>Life changes:</strong> Marriage, divorce, birth/adoption, moving to a new coverage area</li>
<li><strong>Income changes:</strong> Newly qualifying for APTC subsidies</li>
<li><strong>Incarceration release:</strong> Individuals released from incarceration qualify for SEP</li>
</ul>

<h2>Automated SEP Qualification</h2>
<p>When a lead enters unLocked CRM from a web form, the form can include qualifying questions:</p>
<ul>
<li>"Have you experienced a life change in the past 60 days?" (Y/N)</li>
<li>"Which event applies?" (dropdown: job loss, marriage, baby, moved, etc.)</li>
<li>"When did this event occur?" (date picker)</li>
</ul>
<p>Based on answers, unLocked CRM automatically tags the lead as SEP-eligible, calculates days remaining in the enrollment window, and triggers a priority follow-up sequence.</p>

<h2>The SEP Enrollment Flow</h2>
<p><strong>Day 0:</strong> Lead captured → CRM qualifies SEP → instant SMS: "You qualify for health coverage enrollment. Let me help you compare plans."</p>
<p><strong>Day 0–1:</strong> Agent calls to collect income/family details</p>
<p><strong>Day 1–2:</strong> Send to HealthSherpa with SEP qualifier and client data pre-filled</p>
<p><strong>Day 2–3:</strong> Enrollment completed → webhook confirms → cross-sell sequence triggers</p>

<section data-ai-block="statistics">
<h2>Key Statistics</h2>
<ul>
<li>SEPs account for 40% of ACA enrollment — not just OEP</li>
<li>SEP leads have a 60-day enrollment window from qualifying event</li>
<li>Agents who automate SEP qualification capture 3x more year-round ACA enrollments</li>
</ul>
</section>

## FAQ

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## Related

- https://unlockedcrm.ai/blog/healthsherpa-aca-marketplace-crm
- https://unlockedcrm.ai/blog/healthsherpa-speed-to-lead-medicare
- https://unlockedcrm.ai/blog/healthsherpa-crm-integration-guide

---

Source: [How to Automate SEP Lead Capture with HealthSherpa + unLocked CRM](https://unlockedcrm.ai/blog/healthsherpa-sep-automation) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/healthsherpa-sep-automation.