---
title: "One Quoter, Two Markets: The On/Off-Exchange ACA Workflow"
description: "How the combined ACA quoter in unLocked CRM runs a full under-65 appointment: household in, both markets out, quote saved to the contact."
url: https://unlockedcrm.ai/blog/one-quoter-on-and-off-exchange-aca-workflow
canonical: https://unlockedcrm.ai/blog/one-quoter-on-and-off-exchange-aca-workflow
category: "ACA"
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/one-quoter-on-and-off-exchange-aca-workflow
summary: "The ACA Marketplace quoter in unLocked CRM prefills household, income, and ZIP from the contact, estimates the APTC, and returns on-exchange Marketplace plans and off-exchange private health plans in…"
license: Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/one-quoter-on-and-off-exchange-aca-workflow
source: unLocked CRM — AI CRM for insurance agents
---

# One Quoter, Two Markets: The On/Off-Exchange ACA Workflow

## TL;DR

The ACA Marketplace quoter in unLocked CRM prefills household, income, and ZIP from the contact, estimates the APTC, and returns on-exchange Marketplace plans and off-exchange private health plans in one result set. The quote saves to the contact automatically.

## Key data points

- unLocked CRM's ACA quoter prefills household data from the contact record and returns both exchange markets in one result set.
- Every ACA quote in unLocked CRM saves to the contact record, creating a documented trail for compliance and follow-up.

The under-65 appointment has a natural rhythm: fact-find, quote, compare, document. Here is how that runs when one quoter covers both markets.

## Step 1: The household prefills

Open the contact and start an ACA quote. Household size, income, ZIP, and ages come in from the record. You confirm instead of typing.

## Step 2: The subsidy estimates itself

The quoter applies current Federal Poverty Level tables to estimate the APTC. You know immediately which shelf this client is really shopping on — and the client sees the number that drives everything else.

## Step 3: Both markets come back together

One result set:

- **On-exchange** Marketplace plans with the estimated APTC applied to each premium
- **Off-exchange** private health plans at full price, so the comparison is honest

No second login, no second quote, no re-keyed household.

## Step 4: The quote saves itself

Whichever direction the client leans, the quote is already on the contact record. That is your compliance documentation and your follow-up anchor in one artifact.

## Where the self-serve link fits

Send your custom ACA quoting link ahead of the appointment. The client enters their household, sees on- and off-exchange plans, and arrives in your pipeline as a lead with the quote attached. The appointment becomes a decision conversation instead of a data-entry session.

| Old workflow | unLocked CRM workflow |
| --- | --- |
| Marketplace tab + private carrier tabs | One quoter, both markets |
| Manual subsidy math | Estimated APTC applied automatically |
| Quote lives in a browser tab | Quote saved to the contact |
| Client waits for a callback | Client self-quotes from your link |

[Run your first on/off-exchange quote →](/aca-marketplace)

## FAQ

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## Related

- https://unlockedcrm.ai/blog/aca-on-and-off-exchange-quoting-announcement
- https://unlockedcrm.ai/blog/on-exchange-vs-off-exchange-aca-plans
- https://unlockedcrm.ai/blog/aca-oep-2027-quoting-checklist

---

Source: [One Quoter, Two Markets: The On/Off-Exchange ACA Workflow](https://unlockedcrm.ai/blog/one-quoter-on-and-off-exchange-aca-workflow) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/one-quoter-on-and-off-exchange-aca-workflow.