---
title: "Low-Cost Leads for ACA Marketplace Agents (SEP & OEP Ready)"
description: "ACA agents get income-bracketed aged data for $47–$497/month — perfect for SEP outreach and OEP build-up campaigns."
url: https://unlockedcrm.ai/blog/low-cost-leads-for-aca-marketplace-agents
canonical: https://unlockedcrm.ai/blog/low-cost-leads-for-aca-marketplace-agents
category: "Lead Generation"
published: 2026-06-05
author: "unLocked CRM Team"
source: unLocked CRM — AI CRM for insurance agents
---

# Low-Cost Leads for ACA Marketplace Agents (SEP & OEP Ready)

## TL;DR

ACA writers benefit most from the income-range field because subsidy eligibility hinges on household income. Filter to $20k–$60k income and the file becomes a subsidy-ready prospect list before the first dial.

ACA is a subsidy sale. The single most important qualifier is household income, and the second is household size — both are on every unLocked record.

## The ACA filter

- Income range $20k–$60k
- Children > 0 for family plans
- Age 18–64
- Filter by state to match your appointed carriers

## The opening script

> "Hi {first_name}, this is {agent}. I'm following up on the health insurance info you requested. Most of the people I talk to in your income range are getting a subsidy that covers most or all of the premium — is that what you're already on, or did you not realize that was an option?"

Subsidy-first framing turns the call into a money conversation, not a coverage conversation.

## Year-round vs OEP

- **OEP** — Elite or Agency tier; volume matters in November–January
- **SEP** — Pro tier year-round; income-bracketed file plus an SEP-event trigger campaign

## Compliance note

Aged ACA records can be dialed year-round; only the enrollment window requires an SEP-qualifying life event outside OEP.
## What every record in the file includes

Every unLocked lead subscription ships the same 12 data points per record:

- **Full name** (first and last)
- **Phone number** (direct dial)
- **Email** (when available)
- **Full address** — street, city, state, zip
- **Age / date of birth**
- **Income range** (household bracket)
- **Net worth** (household estimate)
- **Marital status**
- **Children** (count in household)
- **Homeowner indicator**
- **Product line** the prospect originally inquired about
- **Vintage stamp** (exact age of the record)

You can filter the file by product line, state, zip, and age before download. The CSV maps 1:1 with unLocked CRM, so it imports straight into the dialer, SMS, email, and AI Voice OS workflows.

## The four subscription tiers

| Plan | Price | Vintage | Best for |
|---|---|---|---|
| Starter | $47/mo | 5–6 weeks aged | Solo agents testing the channel |
| Pro | $97/mo | 4–5 weeks aged | 1–3 producers |
| Elite | $197/mo | 2–3 weeks aged | 3–5 producers (most popular) |
| Agency | $497/mo | 1–2 weeks aged, 2,500 leads | 5–25 producer floors |

Same record schema across every tier — only the vintage and volume change.

## FAQ

### undefined



### undefined



## Related

- https://unlockedcrm.ai/blog/low-cost-leads-for-medicare-agents
- https://unlockedcrm.ai/blog/low-cost-leads-for-life-insurance-agents
- https://unlockedcrm.ai/blog/starter-vs-pro-vs-elite-vs-agency-plan-comparison

---

Source: [Low-Cost Leads for ACA Marketplace Agents (SEP & OEP Ready)](https://unlockedcrm.ai/blog/low-cost-leads-for-aca-marketplace-agents) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/low-cost-leads-for-aca-marketplace-agents.