Exclusive ACA live inbound calls for licensed agents
Marketplace health enquiries, delivered live to one floor. A person calls in. You answer. Campaign qualifications and price are confirmed during onboarding.
Device check is done. Inbound calls route to this screen the moment you are live.
Start taking calls
Campaign
TV Inbounds · Pay Per Lead
$60 criteria
Hours
Mon–Fri · 9 AM – 9 PM ET
Open now
Delivery
Exclusive 1-to-1
One licensed floor
Exclusive TV inbound. Caller already on the line.
Delivery
Exclusive 1-to-1
Product
Marketplace health
Format
Live inbound call
Price
Confirm in onboarding
Agents writing with
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The unit you buy
What exclusive ACA inbound calls are at Ringelo
A person calls about Marketplace coverage. One licensed floor answers.
ACA inbound calls are live phone opportunities about Marketplace health coverage. The prospect initiates contact. A licensed agent answers while that person is still on the line.
Agents searching “Obamacare leads,” “Marketplace live transfers,” or “ACA pay per call” are often comparing three products sold under one word. Ringelo sells the third. Read what are real-time inbound calls and inbound calls vs shared leads before you treat two quotes as the same purchase.
Final expense remains the published flagship, with a $60 criteria campaign. ACA uses the same live-connect platform. Do not assume those qualifications or that price apply here.
Shared / aged list
A contact record, often sold more than once, that your team dials later.
Live transfer
A handoff. Another party started the conversation, then connects the prospect to you.
Ringelo inbound
A consumer-initiated call, delivered live to one licensed floor.
Who this page is for
Licensed producers who can pick up during OE
A live Marketplace call needs a licensed person on the phone.
This page is written for independent agents and small agency floors that already write, or are appointed to write, individual Marketplace coverage. It is a commercial page for buyers of inbound calls.
It is not a plan finder, not a subsidy calculator, and not an invitation for consumers to call Ringelo. Marketplace coverage is sold by licensed agents. A live call is a conversation, not an enrollment.
How it works
How an ACA call reaches your floor
Three steps. Someone on your side has to be available for all three, or the live connect is wasted inventory.
Source
A person calls about Marketplace coverage
Intent starts with the caller. You are buying a live conversation, not a row in last spring’s dialer.
Connect
The call is bridged to one licensed floor
Ringelo routes that inbound to the same agent dialer used for final expense. Someone has to be available to pick up.
Bill
You pay when the campaign’s rules say so
Qualifications, states, hours, and price are written into the campaign you buy. Confirm them before you go live.
Use the questions to ask an inbound call vendor on any ACA offer, including this one. Confirm delivery method, billable event, and hours before you fund a wallet.
Open Enrollment 2026–27
Marketplace OE sits next to Medicare AEP
HealthCare.gov Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. Medicare AEP runs October 15 through December 7, 2026. Those windows overlap. An agency writing both lines needs licensed people on the phone for the hours it actually buys.
OctNovDecJanFebMar
Medicare AEPOct 15 – Dec 7
ACA Open EnrollmentNov 1 – Jan 15
Final expenseYear-round
Bars sit on Oct 2026 – Mar 2027. Final expense has no federal OE window; it still needs a licensed person on the phone.
Medicare AEP
Advantage / Part D
Oct 15 – Dec 7, 2026
Overlaps the first half of Marketplace OE. Staff both lines if you buy both.
ACA OE
HealthCare.gov
Nov 1, 2026 – Jan 15, 2027
Federal Marketplace calendar for 2027 coverage. State-based exchanges can differ.
Final expense
Year-round
No federal OE window
Published $60 criteria campaign on its own page. Separate qualifications.
The worked calendar, including Medicare OEP and year-round final expense, is on the open enrollment inbound calls page. Dates come from HealthCare.gov and CMS public calendars. State-based exchanges can differ. A live inbound during OE is still a conversation. Plan the states you can sell, who answers, and what happens if the caller is outside OE and may qualify for special enrollment.
Qualification and billing
What you confirm before the first Marketplace call
Ringelo does not publish an ACA unit price on this page. The only public criteria price on the site is final expense at $60 per qualifying lead. ACA terms are campaign-specific.
Written into the campaign
A consumer-initiated enquiry about ACA / Marketplace coverage
Delivery to one licensed agent or agency
The states and hours you will actually staff
The event that creates a billable charge
Settled in onboarding
Unit price for the ACA campaign you buy
Exact qualification screens for that campaign
Treatment of special enrollment versus OE
How recordings and credits show in the ledger
Compare the billable event in pay per call vs pay per lead. A cheaper connected-call quote is a different product from a qualification-based inbound. Do not turn a testimonial or a neighbor’s close rate into a forecast for your book.
How they compare
Shared lists, live transfers, and a live inbound
Write the price next to the event that creates the charge. Delivery format alone does not establish qualification, exclusivity, or an enrollment.
Question
Shared / aged list
Live transfer
Ringelo inbound call
What arrives?
A contact record
A call another party hands over
A consumer-initiated call
When you talk
After your team dials
When that handoff connects
When your phone rings
Who started it
A form, often earlier
Inbound or outbound — ask
The prospect called in
Exclusivity
Often shared — check terms
Check the written terms
One agent or agency
What to verify
Age of the record and permitted use
Origin, screening, billable event
Qualifications and billable event
Compliance
TCPA posture is a records question
A live inbound starts with the consumer placing the call. Follow-up, texting, and any later outbound still sit inside state calling rules. Confirm TCPA posture with the state-by-state compliance map. Marketplace marketing also has its own carrier and exchange rules. Own those separately from the commercial screen on the call.
Consent and recordings
Ask which consent artifacts exist for the campaign, and which recordings you can pull after a call. Retrieve those records for your own file.
Follow-up use of the number
A live inbound is one conversation. Confirm when the number is released to you, and which calling or texting rules then apply in that state.
Hours you actually staff
A live connect only works if a licensed agent answers. Cap volume to the hours and states you can cover. This page does not publish a cap.
The billable event in writing
Write the price next to the event that creates the charge. A connected second, a duration buffer, and a qualification screen are different purchases.
The dialer
Same platform as final expense
Take Calls, the live qualifier, licensed-state filters, wallet, and recordings live in one agent UI. Captions in the walkthrough above switch across final expense, ACA, and Medicare. The screens stay the same.
Take Calls
Go live on the campaign you staff.
Licensed states
Route only the states you can write.
Wallet and logs
See the charge and the recording after.
Agent · Take Calls
Take Calls
Online
Ready when you are
Device check is done. Inbound calls route to this screen the moment you are live.
Start taking calls
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Take Calls · go live, pick a campaign, route licensed states
From the floor
Agents already on the platform
Screenshots from licensed agents using Ringelo. They are not income claims, close rates, or a forecast for your book.
FAQ
ACA inbound calls, answered
Twelve questions agents actually type. Open one, or read them all before you fund a wallet.
What are exclusive ACA inbound calls?
Exclusive ACA inbound calls are live phone conversations about Marketplace health coverage. The person initiates the call. Ringelo delivers that conversation to one licensed agent or agency while the caller is still on the line.
Are Ringelo ACA calls exclusive or shared?
Delivery is one-to-one to a licensed agent or agency. That is exclusive delivery of the live call. It does not prove the caller has never spoken with another producer. Read the written campaign terms before you fund an account.
How much do ACA inbound calls cost?
This page does not publish an ACA unit price. The published $60 figure on Ringelo is the final expense criteria campaign. ACA qualifications, licensed states, hours, and price are confirmed during onboarding. Write the billable event next to whatever number you are quoted.
When is ACA Open Enrollment for 2027 coverage?
On HealthCare.gov, Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. Some state-based exchanges use a different calendar. Special enrollment is a separate window with its own qualifying events.
What license do I need to take ACA Marketplace calls?
You need the producer license and carrier appointments that apply in the states you will sell. Confirm those states, your floor hours, and the delivery method before you accept calls. This page does not publish a state inventory.
What qualifications does an ACA inbound call have to meet?
Qualifications are written into the campaign you buy. Typical commercial screens cover product intent, a state you can write, and a live connect. Exact rules are confirmed in onboarding. Do not copy the final expense age, bank-account, and $60 criteria onto an ACA campaign.
How is this different from shared ACA leads or aged lists?
A shared or aged list is a contact record, often sold more than once, that your team dials later. An ACA inbound call is a person who phoned in, delivered live to one buyer. Staffing, timing, and the billable event are different purchases.
How is this different from an ACA live transfer?
A live transfer is a handoff. Another party has already started or screened the conversation, then connects the prospect to you. A Ringelo ACA inbound starts when the consumer calls in. Ask any vendor which of those two products you are actually buying.
Does a qualified ACA call mean the person will enroll?
No. A live inbound call means you speak with a person who called about Marketplace coverage. It does not approve a subsidy, complete an application, or promise they will enroll. The agent still has to do that work.
Is Ringelo Healthcare.gov or an insurance carrier?
No. Ringelo is a marketing brand of REOM LLC. It connects licensed insurance agents with inbound enquiries. It is not Healthcare.gov, not an insurance carrier, and not a government site.
Can I take ACA calls and final expense on the same platform?
Yes. ACA uses the same agent dialer as the published final expense criteria campaign. Campaigns stay separate: qualifications, windows, and price are confirmed per line. Final expense remains $60 per qualifying lead on its own page.
What TCPA questions should I ask before buying ACA calls?
Ask which consent and calling records exist for the campaign, who can retrieve recordings after a call, and how follow-up numbers are released. A compliance label is not a substitute for those records. Start with the state-by-state map and the vendor question list.
Ringelo is not affiliated with or endorsed by the U.S. government, the Centers for Medicare & Medicaid Services, or the federal Medicare program. Ringelo is not Healthcare.gov and is not an insurance carrier. Marketplace coverage is sold by licensed agents. A live call is not an enrollment, a subsidy determination, or a government service.
