---
title: "Low-Cost Leads for Short-Term Medical & Gap Insurance Agents"
description: "Short-term medical converts on ACA aged data filtered for non-subsidy households. Plans start at $47/month."
url: https://unlockedcrm.ai/blog/low-cost-leads-for-short-term-medical-agents
canonical: https://unlockedcrm.ai/blog/low-cost-leads-for-short-term-medical-agents
category: "Lead Generation"
published: 2026-06-05
author: "unLocked CRM Team"
source: unLocked CRM — AI CRM for insurance agents
---

# Low-Cost Leads for Short-Term Medical & Gap Insurance Agents

## TL;DR

Short-term medical is the right product for ACA prospects who priced out of subsidies. Filter aged ACA data for income above the subsidy line and the STM conversation lands cleanly.

Short-term medical and gap products are the right answer for ACA shoppers who don't qualify for meaningful subsidies. Aged ACA files filtered by income become STM prospect lists.

## The STM filter

- Income above subsidy line
- Age 25–64
- Single or healthy family

## The opener

> "Hi {first_name}, this is {agent}. You requested ACA pricing — at your income level the marketplace isn't the cheapest option. Want me to compare a short-term plan that runs about half the cost?"
## 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 five 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) |
| Scale | $297/mo | 2 weeks aged, 1,500 leads | Producers scaling outbound past Elite |
| 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

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## Related

- https://unlockedcrm.ai/blog/low-cost-leads-for-aca-marketplace-agents
- https://unlockedcrm.ai/blog/low-cost-leads-for-dental-vision-hearing-agents
- https://unlockedcrm.ai/blog/low-cost-leads-for-critical-illness-agents

---

Source: [Low-Cost Leads for Short-Term Medical & Gap Insurance Agents](https://unlockedcrm.ai/blog/low-cost-leads-for-short-term-medical-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-short-term-medical-agents.