Glossary
Health insurance lead terms, defined
The vocabulary agents run into when buying leads, in one sentence each.
- Off-marketplace lead
- A health insurance prospect whose household income is above the ACA subsidy range and who reports no major health conditions, making them a candidate for a private (non-marketplace) plan rather than a subsidized marketplace plan.
- Marketplace lead
- A health insurance prospect who qualifies for ACA premium subsidies and is best served by a plan on healthcare.gov or a state exchange. Most health insurance leads sold to agents are marketplace leads.
- Subsidy range and cliff
- The band of household income, relative to household size, within which a consumer qualifies for ACA premium tax credits. Above it, the consumer pays full price on the marketplace and typically compares private options instead.
- Private health plan
- Individual health coverage sold outside the ACA marketplace, including private individual plans, short-term medical where available, hospital indemnity, and association or group-style plans. Most are medically underwritten and can be written any month of the year.
- Medical underwriting
- A carrier’s review of an applicant’s health history before offering a private plan. Applicants with major recent conditions may be declined or rated, which is why U65 Leads screens health history before a lead exists.
- Exclusive lead
- A lead sold to exactly one agent. At U65 Leads, exclusivity is permanent: the lead is never resold, shared, or moved to an aged pool.
- Aged lead
- A lead that was generated days, weeks, or months earlier and is resold at a discount, often after other agents have already worked it. U65 Leads does not sell aged leads.
- One-to-one consent
- Consent in which the consumer agrees to be contacted by one specifically named business or agent, rather than by “partners” in general. U65 Leads names the receiving agent in the consent text on the agent’s own funnel.
- TCPA
- The Telephone Consumer Protection Act, the federal law governing calls and texts to consumers. It requires prior express written consent for many automated or prerecorded calls and texts to cell phones.
- Speed to lead
- The time between a lead arriving and the agent’s first call. Contact rates fall sharply after the first few minutes, which is why U65 Leads delivers in real time to portal, email, Google Sheet, or CRM.
- Phone verification
- Checking a submitted phone number against carrier data before accepting it, to reject fake, disconnected, or unassigned numbers. U65 Leads verifies numbers with a Telnyx lookup before the form can submit.
- Lead replacement
- A vendor’s policy for swapping defective leads. U65 Leads replaces leads with wrong or disconnected numbers, duplicates, or out-of-state locations free of charge when flagged within three business days.
- Weekly quota
- The number of leads an agent has paid for in a given billing week. At U65 Leads, unfilled quota rolls into the next week and over-delivery is credited.
- Cost per writable lead
- Total lead spend divided by the number of leads the agent could actually write. The most useful way to compare lead sources, since a cheap lead file that is mostly marketplace-eligible costs more per writable lead than a screened one.
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