Three of the four ACA lead companies compared here publish prices, verified October 2026: Aged Lead Store sells aged health leads from $0.20, NextGen Leads sells real-time health data leads from $4 and call leads from $35, and InsureLeads sells exclusive leads at $45 and interest-verified live transfers at $100. QuoteWizard quotes on request.
Open Enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov, and December 15 is the last day to enroll for coverage that starts January 1. Every exclusive InsureLeads campaign is built to order: $2,500 to launch, first leads within days and full volume in 2–4 weeks. Full volume on November 1 therefore means ordering 2–4 weeks before it. The Open Enrollment leads page covers seasonal timing, and the ACA health insurance leads page carries the full rate card.
The right pick among health insurance lead vendors depends on the format you need (exclusive real-time leads, live transfers, shared web leads or low-cost aged data) and on what each vendor puts in writing about price, exclusivity and returns. This guide compares four of them and gives a framework for choosing.
ACA Lead Companies Compared
The table compares four ACA and health lead sources on the terms each one states on its own website, verified October 2026. The rows are not a ranking, and InsureLeads is deliberately listed last.
| Provider | ACA / health products | Published price | Exclusivity | Minimum order | Best for |
|---|---|---|---|---|---|
| NextGen Leads | Real-time data leads from under-65 health shoppers on its own websites, plus call leads | Yes: data leads from $4, call leads from $35, sold by second-price auction | Its health page says data leads are exclusive; its terms say leads are provided "on a non-exclusive basis" for the product the consumer asked about | None, per its health page; its terms let it require a pre-funded account balance | Agents who want to set their own bids and filters and pause campaigns without calling support |
| QuoteWizard (LendingTree) | Shared health web leads (major medical, short-term and federal or state exchange plans); its WizardCalls live transfers are sold for home and auto, not health | No: lead price plus the cost of any filters, quoted by sales | Web leads sold to up to four agents, about three per health lead (its 2024 figure) | Not stated; pay-as-you-go billing | Agents comfortable sharing a lead who want Premium, Preferred and Standard health filters |
| Aged Lead Store | Aged health leads, 3 to 365 days old on its health price grid, downloaded instantly | Yes: $2.50 (3–30 days, 1–249 leads) down to $0.20 (86–365 days, 25,000+ leads) on its health-lead page; its ACA page lists $0.75 (15–85 days, 1–249 leads) and $0.30 (86–365 days, 1–999 leads), so confirm at checkout | Shared | A small minimum order, per its health page; its FAQ cites both $100 and $200 | The uses its home page names: email, direct mail, door knocking, and manual dialing without regulated dialing technology to numbers on no DNC list |
| InsureLeads | Build-to-order exclusive campaigns, contact-verified leads, interest-verified live transfers, aged ACA records | Yes: $45 exclusive, $65 contact-verified, $100 interest-verified transfer; aged $0.50–$3.50 | One buyer per exclusive lead or transfer; aged records are not exclusive unless never resold | $2,500 to launch an exclusive campaign, $3,000 for transfers, no minimum spend on aged records; no contract | Agents who want a published price and one buyer per record; a newer entrant with no independent reviews yet |
Disclosure: InsureLeads publishes this guide and also sells ACA leads, so we have a direct commercial interest. The rows are not a ranking and InsureLeads is deliberately not listed first. Every competitor fact in this guide was verified October 2026 on the vendor's own website; prices and terms change, so confirm them with the vendor before you buy.
Benepath is not in this table; our Benepath profile covers its product line.
What Makes a Great ACA Lead Company
The best ACA lead companies share several characteristics that distinguish them from mediocre providers:
- Transparent Lead Generation Methods: Quality providers clearly explain how they generate leads -- whether through organic SEO, paid search, social media, or content marketing.
- Verified Contact Information: Top providers validate phone numbers and email addresses before delivery using real-time verification technology.
- Clear Exclusivity Guarantees: When you pay for exclusive leads, get it in the written terms, not only on a product page, that each lead goes to one agent only. For shared leads, get the cap: QuoteWizard, for example, states that it sells a lead to a maximum of four agents (verified October 2026).
- Fair Return Policies: Quality providers offer credit or replacement for disconnected numbers, wrong numbers, and duplicate leads.
- Compliance with TCPA and CMS Rules: Under the FCC's TCPA rules, a telemarketing call or text to a cell phone made with an autodialer or a prerecorded voice, and a prerecorded telemarketing call to a home landline, need the consumer's prior express written consent, which a website form can capture; oral consent covers only informational, non-marketing calls and texts. Reputable providers capture and store that record for every lead. HealthCare.gov work adds a second record: CMS requires agents to document a consumer's consent before using their information to quote Marketplace coverage or enrolling them.
Types of ACA Lead Providers
Understanding the different provider models helps you evaluate which type fits your practice:
Organic/SEO-Based Providers
These companies generate leads through content marketing and search engine optimization. Consumers find their sites through Google searches and voluntarily submit their contact details. Organic leads carry no per-click media cost, so their price depends less on the ad auction; the trade-off is that volume follows rankings, not budget.
Pay-Per-Click (PPC) Lead Generators
PPC-focused providers buy search-ad traffic and convert it into leads through landing pages. The shopper was actively searching, so intent is high, but every click is paid for and the lead price moves with the ad market. The spend can be large: QuoteWizard says it spends over $100M a year on search engine marketing (verified October 2026).
Social Media Lead Generators
These providers use Facebook, Instagram, and other social platforms for targeted advertising. Social media leads are generally less expensive but may have lower intent since the consumer was not actively searching when they encountered the ad.
Aggregators and Resellers
Some companies purchase leads from multiple sources and resell them. Transparency becomes an issue -- you may not know the original source or how many times leads have been sold. The best ACA lead companies generate their own leads and say plainly when a record is aged or resold.
Key Factors to Evaluate When Choosing a Provider
Use this scorecard when evaluating any ACA lead provider:
| Factor | What to Look For | Red Flag |
|---|---|---|
| Lead Source Transparency | Clear explanation of generation method | Refuses to disclose sources |
| Exclusivity Guarantee | Written guarantee, one agent per lead | Vague "semi-exclusive" language |
| Return Policy | Credits for bad data | No returns under any circumstances |
| TCPA Compliance | Documented consent capture | Cannot provide consent records |
| Delivery Speed | Real-time or within 60 seconds | Batch delivery once per day |
| Pricing Transparency | Published rates, clear volume tiers | Hidden fees, bait-and-switch |
| Minimum Commitments | Flexible, no long-term contracts | Requires 12-month contracts |
| Customer Support | Responsive, knowledgeable team | No phone support available |
ACA Lead Prices by Format, Verified October 2026
ACA lead prices split by format first and vendor second. Every figure below was published on the vendor's own site when we checked it in October 2026; where a vendor quotes on request, the table says so.
| Format | Published prices | What sets the price |
|---|---|---|
| Aged health and ACA records | Aged Lead Store (health-lead page): $2.50 (3–30 days, 1–249 leads) down to $0.20 (86–365 days, 25,000+ leads); its ACA page lists $0.75 (15–85 days, 1–249 leads) and $0.30 (86–365 days, 1–999 leads), so confirm at checkout. InsureLeads: $3.50 at 30–90 days down to $0.50 at 365+ days, no minimum spend. | Age of the record and order size. Aged records are usually shared or resold, so treat them as non-exclusive unless the vendor says otherwise. |
| Real-time data leads | NextGen Leads: from $4 per data lead. InsureLeads: $45 per exclusive lead or $65 contact-verified, inside a build-to-order campaign at $2,500 to launch. | NextGen runs a second-price auction, so you pay $0.01 more than the next-highest bid. InsureLeads prices vary by state, filters and season. |
| Shared real-time leads | QuoteWizard: quoted on request. | QuoteWizard prices the lead plus the cost of any filters and sells each lead to up to four agents. |
| Calls and live transfers | NextGen Leads: call leads from $35. InsureLeads: $100 per interest-verified transfer, $3,000 to launch. | NextGen sells calls on a billable duration. An InsureLeads transfer is billable only when the connection lasts at least 90 seconds, the prospect confirms interest and meets your filters, and you are available to take it. |
A "from" price on an auction is a floor, not a forecast: what you pay depends on the next-highest bid for the same shopper. Compare cost per enrollment, not cost per lead, and read the minimum and the exclusivity terms beside the price. Price alone does not tell you who is on the other end of the record: a subsidised marketplace shopper and a short-term-plan shopper behave nothing alike at the same price point, which is why under-65 health insurance leads record the plan type each shopper wants. The cross-vertical view of one-buyer leads is on exclusive insurance leads, and every vertical's rates are on the pricing page.
Red Flags to Avoid When Choosing a Provider
Watch for these warning signs from lower-quality providers:
- "Unlimited leads" offers: There is no such thing as unlimited exclusive leads. If a provider promises unlimited volume at a low flat rate, the leads are either shared, recycled, or fabricated.
- No return policy: Every lead source produces some invalid data. A provider who refuses any form of credit has no incentive to maintain data quality.
- Long-term contracts required: Quality providers earn your business month over month. A company requiring 6-12 month commitments before evaluation may be compensating for high churn.
- A low price with no mechanism behind it: Low prices can be honest. Verified October 2026, an auction floor (NextGen Leads sells health data leads from $4), the age of the record (Aged Lead Store sells aged health leads from $0.20) and sharing (QuoteWizard sells a lead to up to four agents) each explain a low price. If a vendor sells fresh, exclusive leads well below everyone else and cannot name the mechanism, assume the leads are shared, recycled or incentivized.
- No TCPA documentation: If they cannot demonstrate their consent capture process, purchasing their leads puts your license at legal risk.
Questions to Ask Before Buying ACA Leads
Before committing to any of the best ACA lead companies, ask these questions:
- How do you generate your leads? (Organic, PPC, social, or aggregated?)
- What is your exclusivity guarantee? (One buyer per record, or a cap on how many agents get each lead?)
- What is your lead return policy? (What qualifies? What is the process?)
- Can you provide TCPA consent documentation?
- What data fields are included with each lead?
- How quickly are leads delivered after form submission?
- Do you offer volume discounts and what are the tiers?
- Is there a minimum commitment or contract length?
- What is your average contact rate on exclusive leads?
- Are fresh leads generated after I order, and how long until full volume?
Lead Generation Methods and Why They Matter
The method a company uses to generate leads sets the intent behind each one. The best ACA lead companies use methods that attract genuinely interested consumers:
Strongest Intent: Organic Search (SEO). Leads from consumers who found the provider's website through Google search are actively looking for health insurance information. They voluntarily submitted their information after finding educational resources. That is the strongest intent signal a lead form can carry.
Strong Intent: Paid Search (PPC). Similar to organic, PPC leads come from consumers actively searching. The provider paid for the click, increasing cost. Intent is comparable to organic when the landing page matches the search.
Moderate Intent: Social Media. Social media leads come from users targeted by ads based on demographic data. While not actively searching, they expressed interest by clicking and completing a form. Intent levels are typically lower than search-based leads.
Weakest Intent: Incentivized/Co-Registration. Some providers generate leads by offering incentives (gift cards, sweepstakes) for completing forms. The incentive, not the coverage, prompted the form, so these carry the weakest intent signal. Avoid providers who use these methods exclusively.
Where InsureLeads Fits for ACA Buyers
InsureLeads sells ACA leads for agents on a published rate card, so every term below can be checked before a sales call, including the ones that make us the wrong fit:
- Published prices: $45 per exclusive lead, $65 per contact-verified lead and $100 per interest-verified live transfer, with aged ACA records from $0.50. Prices vary by state, filters and season.
- Built to order: every exclusive order starts a campaign built for your states, at $2,500 to launch, with first leads within days and full volume in 2–4 weeks. How ordering works explains why the floor exists.
- One buyer per record: exclusive leads and live transfers go to one buyer and are never resold. Aged records are not exclusive unless they have genuinely never been resold.
- Consent on every web lead: leads come primarily from organic search on our own content and from paid search and social campaigns run for each client, with a TrustedForm or Jornaya certificate captured at submission.
- Replacement for bad data: a disconnected or wrong number, a duplicate or a lead outside your state is replaced or credited when you flag it inside the window on your order confirmation, under the lead replacement policy.
- No contract: no lead product carries a term. The $3,000 transfer launch is a minimum spend, not a commitment period.
- What we cannot show you yet: InsureLeads is a newer entrant with no independent review record and no audited buyer-outcome dataset. The close and contact rate ranges on this site are planning bands, not results.
If the lowest cost per record matters most, aged leads and auction floors start far below our exclusive price. If one buyer per record at a price you can read before the call matters more, compare our ACA rates against the table above.
Frequently Asked Questions
Where can I buy ACA leads, and what do they cost?
ACA leads are sold by auction marketplaces, shared-lead networks, aged-lead stores and build-to-order vendors, and the price follows the format. Verified October 2026, Aged Lead Store sells aged health leads from $0.20 to $2.50, NextGen Leads sells real-time health data leads from $4 and call leads from $35, and QuoteWizard quotes on request. InsureLeads sells exclusive leads at $45, interest-verified transfers at $100 and aged records from $0.50; the ACA lead rate card lists every format.
When is Open Enrollment for 2027 ACA plans?
Open Enrollment for 2027 coverage starts November 1, 2026 and ends January 15, 2027 on HealthCare.gov. Coverage starts January 1 for enrollments made by December 15, and February 1 for enrollments made December 16 through January 15, once the first premium is paid. CMS confirmed the November 1 and January 15 dates for the federal Marketplace in a July 27, 2026 statement. How a shopper applies depends on whether the state runs its own Marketplace: Oregon residents, for example, move to ExploreHealthOR.gov for 2027 coverage. Lead volume and staffing across the season are covered in buying leads for Open Enrollment.
What counts as a qualified ACA lead or transfer?
A qualified ACA lead is whatever the vendor's written definition says, so get that definition before you buy. Verified October 2026, NextGen Leads sells call leads on a billable duration. InsureLeads counts a lead as contact-verified ($65) only when the phone is valid, the right person is reached, the state and basic age criterion are met and the person confirms interest. It bills an interest-verified transfer only after a connection of at least 90 seconds with a prospect who confirms interest and meets your filters, while you are available to take it. Your consent record is separate: for HealthCare.gov enrollments, CMS requires agents to document a consumer's consent before quoting Marketplace coverage with their information or enrolling them, and to keep it for at least 10 years.
How do ACA lead companies generate their leads?
ACA lead companies describe their own sources, and the descriptions differ. Verified October 2026, NextGen Leads says it connects agents in real time with under-65 health shoppers on its own websites, and QuoteWizard says shoppers reach QuoteWizard.com and partner sites through digital marketing, backed by over $100M a year in search engine marketing. Aged Lead Store says it aggregates recent leads every month and sells them as aged, shared internet leads. InsureLeads generates leads primarily from organic search on its own content and from paid search and social campaigns run for each client.
What separates good health insurance lead vendors from weak ones?
Good health insurance lead vendors put four answers in writing: the price per format, the exclusivity definition (one buyer per record, or a cap such as the four agents QuoteWizard stated when we checked in October 2026), the credit policy for bad data, and a consent record for every lead. Compare vendors on those four before you compare headline prices, and where a product page and the terms disagree, ask which one governs before you buy.
Is it worth paying more for exclusive ACA leads?
Exclusive ACA leads are worth paying for when your team cannot call within minutes, because a shared lead is a race. Verified October 2026, QuoteWizard's health page puts its shared health leads at about three agents per lead (a 2024 figure), so you compete for that shopper from the first dial. An exclusive lead removes the race: an InsureLeads exclusive lead is $45 inside a build-to-order campaign, and with any vendor, check that the terms, not only the product page, promise one buyer per record. A fast dialer that accepts competition can stretch a budget further with shared or aged records.
Do the best ACA lead companies guarantee close rates?
No vendor controls your close rate, which depends on speed to contact, the agent and the market, so treat any guarantee of enrollments with suspicion. What a vendor can put in writing is exclusivity, consent records and a credit policy for bad data. Verified October 2026 on their FAQ pages: NextGen Leads lets you return data leads that contain bad information from your account, up to a cap set by vertical; QuoteWizard credits leads that meet its lead-credit reasons; and Aged Lead Store replaces wrong numbers and disconnects, with returns capped at 20%. InsureLeads replaces or credits invalid contact data flagged inside the window on your order confirmation.
How should I test a new ACA lead vendor?
Test one format at a time, on a budget large enough to judge, and track contact, appointment and enrollment rates yourself rather than relying on vendor figures. Before the first order, read the vendor's terms for its minimum, any pre-funded balance and its return rules; the comparison table above lists what each vendor published when we checked in October 2026. An InsureLeads exclusive campaign is built for your states, so the smallest exclusive test is the $2,500 launch; aged ACA records carry no minimum spend.