Health Insurance / Marketplace Agencies
ACA major-medical is a 75-day-a-year business in a 365-day calendar. Most agencies lose money during the 290 non-OEP days because they have no system for SEP triggers, subsidy refreshes, or cross-line conversations. The Insurance Snapshot for GHL changes that.
The Open Enrollment campaign that ships ready
Pre-built OEP campaign starting Nov 1, running through Jan 15:
- Pre-OEP (Oct 1–Oct 31): “Get on the calendar early” booking nudge
- OEP weeks 1–4: New-applicant nurture (subsidy explainer, plan-selection guide)
- OEP weeks 5–8: Renewal applicants (current plan + better-priced alternatives)
- OEP weeks 9–11: Last-call urgency cadence (text-heavy, compliance-cleared)
- Post-OEP (Jan 16+): SEP nurture + STM cross-sell
State-based exchanges (CA, NY, MA, etc.) get adjusted windows during install.
SEP triggers that catch the missed enrollment
A qualifying life event (job loss, divorce, baby, move, marriage, citizenship) opens a 60-day SEP window. Most agencies don’t learn about these events until the SEP has closed. The snapshot has consent-based event-capture forms that policyholders self-submit, with reminder cadences for marriage / new-baby / move from the prior year’s enrollment intake data.
Subsidy / APTC refresh
Every August, the snapshot fires a “tell us about any income or household changes” form. This is the single highest-ROI workflow for ACA agencies — it prevents the “tax-credit clawback” surprises that turn a happy policyholder into an angry one come April 15.
Cross-line from health
- Major-medical → STM (short-term medical) at day 30 if gap-prone
- Major-medical → dental + vision during OEP add-on conversation
- Under-65 → annual review + accident / hospital indemnity
- Aging-in policyholders → Medicare transition workflow (T65) — see Medicare service
What’s inside
- AI quote funnel with health-specific intake (household, ages, current plan, subsidy eligibility)
- OEP campaign (Nov 1 – Jan 15) — three audiences, three sequences
- SEP trigger forms (life-event self-report)
- Subsidy / APTC annual refresh (Aug fire, pre-OEP refresh)
- Document collection (income docs, proof of citizenship, prior-coverage docs)
- Cross-line triggers (STM, dental, vision, accident)
- T65 aging-in workflow to Medicare service
- TCPA-safe SMS + A2P 10DLC filed free
- No PHI in plain SMS — by design
Pricing & install
One-time $997 (was $1,697). 24-hour install. 10 dedicated hours.