Open enrollment inbound calls for a live floor
Exclusive live connects for licensed agents during Medicare AEP, ACA Marketplace Open Enrollment, and Medicare OEP. Final expense runs year-round on the published criteria campaign.
Four windows, one live-connect platform
Dates below are the federal calendars as published for this cycle. State-based ACA exchanges can differ. CMS marketing rules can be updated. Verify before you sell.
| Window | Dates | What it covers | Ringelo page |
|---|---|---|---|
AEP Medicare Annual Enrollment Period | October 15 – December 7, 2026 | 2027 Medicare Advantage and Part D plan years | Medicare inbound calls |
ACA OE ACA Marketplace Open Enrollment | November 1, 2026 – January 15, 2027 | 2027 individual Marketplace coverage on HealthCare.gov (state-based exchanges may differ) | ACA inbound calls |
OEP / MA OEP Medicare Open Enrollment Period | January 1 – March 31, 2027 | Medicare Advantage enrollees who enrolled during AEP, with CMS limits on switches | Medicare inbound calls |
FE Final expense, year-round | No federal open-enrollment window | Final expense / burial whole life for ages 50–85 on the published criteria campaign | Final expense inbound leads |
Sources: CMS managed care marketing materials; HealthCare.gov Open Enrollment glossary. Ringelo is not affiliated with those sites.
What a live inbound requires in each window
Medicare Annual Enrollment Period
A live connect only works if a licensed agent is on the phone. Staff the hours you actually buy.
ACA Marketplace Open Enrollment
Federal Marketplace OE is a calendar, not a close rate. Special enrollment is a separate window.
Medicare Open Enrollment Period
OEP is not a second AEP. Confirm which enrollment situations your campaign actually covers.
Final expense, year-round
$60 per qualifying lead: age 50–85, an active checking or savings account, and interest in final expense coverage. No minimum call duration.
Three ways an agency uses the calendar
These are planning sketches, not volume forecasts and not a promise of calls. They show how a live floor maps hours to a window.
Eight-state health shop, AEP only
Licensed in eight states, staffed 9am–7pm ET, October 15 through December 7. They buy Medicare inbound calls for those hours and those states. They do not buy overnight surplus they cannot answer.
FE plus Marketplace OE
The final expense criteria campaign runs year-round at $60 per qualifying lead. From November 1 they add ACA inbound on the same dialer, with Marketplace-licensed agents on the roster. Two lines, one floor, two qualification sets.
OEP without a second AEP
January through March they keep a smaller Medicare buy aimed at OEP situations, not “anyone on Medicare.” They reread the campaign rules before they fund it.
AEP and Marketplace OE run at the same time
From November 1 through December 7, both Medicare AEP and ACA Open Enrollment are open on the federal calendars. An agency licensed for both still has one set of phones. Buy the line you can answer. The commercial pages are Medicare Advantage inbound calls and ACA Marketplace inbound calls.
Final expense does not wait on a federal window. The criteria campaign is $60 per qualifying lead, year-round. Live-transfer searchers start at final expense live transfers.
For TCPA and state calling research, use the compliance map. For vendor questions that apply to any line, use the inbound call vendor list.
Open enrollment inbound calls, answered
When is Medicare AEP in 2026?
The Annual Enrollment Period for 2027 Medicare Advantage and Part D coverage runs October 15 through December 7, 2026. Confirm current CMS materials for the year you are selling.
When is ACA Open Enrollment for 2027 coverage?
On HealthCare.gov, Open Enrollment runs November 1, 2026 through January 15, 2027. Some state-based exchanges use a different calendar. Special enrollment is separate.
What is Medicare OEP?
The Medicare Advantage Open Enrollment Period runs January 1 through March 31, 2027. It is not a second AEP. CMS limits who can switch and how. Confirm which situations a campaign will actually send you.
Does Ringelo sell open-enrollment inbound calls?
Ringelo delivers exclusive live inbound calls to licensed agents. ACA Marketplace and Medicare Advantage campaigns are discussed on their own pages. Final expense runs year-round on the published $60 criteria campaign. Confirm availability and terms during onboarding.
Should I staff the same hours for every window?
Only if you are buying calls in those hours. A live inbound requires someone licensed and present. A shared list you dial later does not. Write hours next to the campaign you actually fund.
Is this a government enrollment page?
No. Ringelo is not affiliated with or endorsed by the U.S. government, CMS, or the federal Medicare program, and it is not Healthcare.gov.
Other lines licensed agents buy
Exclusive TV-sourced inbound calls for licensed agents. $60 per qualifying lead, with no minimum call duration.
Exclusive ACA Marketplace inbound calls. A consumer-initiated enquiry, delivered live to one licensed agent.
Exclusive Medicare Advantage inbound calls for licensed agents during AEP and OEP. Confirm campaign terms before you take calls.
A different product: booked appointments for licensed annuity agents, not a live inbound.
Educational checklist for MA call programs. Not a close-rate claim.
Buy the window you can actually staff.
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. Open Enrollment dates are public federal calendars and can change. Confirm the year you are selling.