Insurance

U65 Call Center Campaigns

U65 call center campaigns target consumers under 65 who need health coverage outside Medicare. They span ACA marketplace plans, short-term medical, and supplemental health products, and are usually paid per qualified live transfer.

Overview

U65 is a broad label rather than a single product. It covers everyone shopping for health coverage before Medicare eligibility, which means campaigns within it vary widely — a marketplace enrollment campaign and a supplemental health campaign share a demographic but almost nothing else operationally. Read each campaign's qualification criteria rather than assuming the vertical behaves uniformly.

How U65 campaigns work

The center screens age, household, state, current coverage status and, for subsidy-eligible products, estimated income. Because the product mix is wide, qualification criteria are unusually campaign-specific.

Who these campaigns suit

Centers comfortable with variable qualification criteria and shifting product mix. Agents need to be trained per campaign rather than on the vertical generally.

What centers need to run U65 campaigns

Agents trained on the specific product, not just the vertical
Full call recording with retention
Documented QA process
Compliant, consented data with documented source

Requirements are set per campaign and published in full before you accept one. The list above reflects what is typical across u65 campaigns rather than any single buyer's terms.

Compliance requirements

No implication of government or marketplace affiliation
Accurate representation of what the product does and does not cover
No specific cost or coverage claims outside approved language
Do-not-call scrubbing before each dialing session
Immediate honoring of opt-outs

Compliance obligations rest with the center making the contact. Platform review of campaign materials is an internal quality-control step and does not transfer that responsibility. See the Fraud & Compliance Policy for how breaches are handled.

Quality expectations

Consumer must fall within the campaign's age band
State of residence must be in the target geography
Current coverage status is commonly a knock-out
Income screening applies where the product is subsidy-linked

U65 campaigns

No u65 campaigns are listed publicly right now. Availability is driven by real buyer demand, so this changes as campaigns are funded. Verified centers are notified automatically when a matching campaign launches.

Campaign types used in U65

Live Transfer campaignsA live transfer campaign pays when a call center qualifies a consumer and warm-transfers them to the buyer's team while the consumer is still on the line. The billable event is the transfer itself, subject to published qualification criteria.Qualified Lead campaignsA qualified lead campaign pays for a consumer record that meets published screening criteria and has consented to contact, delivered to the buyer for follow-up rather than transferred live.Inbound campaignsAn inbound campaign routes calls the buyer has generated to your center for handling or qualification. The center is paid per qualified call handled rather than per outbound-generated transfer.

Common questions

Is U65 the same as ACA?

No. ACA marketplace plans are one product within U65. The vertical also includes short-term medical and supplemental health products that have different qualification criteria and are not subsidy-linked.

Why do qualification criteria vary so much within U65?

Because the underlying products differ. A marketplace enrollment campaign screens household and income; a supplemental health campaign may not. Always work from the individual campaign's published criteria.

ACA campaignsACA call center campaigns connect consumers seeking Affordable Care Act marketplace health plans with licensed agents or enrollment centers. Campaigns are typically paid per qualified live transfer, and volume is heavily shaped by open enrollment timing.Final Expense campaignsFinal expense call center campaigns connect seniors seeking small whole-life policies that cover funeral and burial costs with licensed agents or carriers. Campaigns are usually paid per qualified live transfer or per submitted application.Medicare campaignsMedicare call center campaigns connect Medicare-eligible consumers with licensed agents or carriers. They cover Medicare Advantage, Medicare Supplement and related products, and are most commonly paid per qualified live transfer.

Guides for U65 centers

ACA Call Center Campaign GuideACA call center campaigns generate qualified transfers of consumers seeking marketplace health coverage to licensed agents. Volume is concentrated around open enrollment and qualification hinges on household size, estimated income and current coverage.How to Choose a Call Center CampaignChoosing a campaign means matching its qualification criteria, payout model and compliance burden against your center's real capability — available agents, vertical experience, traffic sources and infrastructure — rather than selecting on payout rate alone.What Is a Qualified Transfer?A qualified transfer is a live call handed to the buyer in which the consumer meets every published qualification criterion, has consented to the transfer, and remains on the line through the introduction. Failing any one of those makes the transfer non-billable.

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