ACA live transfers: the price per call, the price per enrollment, and when aged leads win
Every page that ranks for this is a seller’s page. None of them works out what a transfer costs per enrollment, and none mentions the consent record the agent, not the seller, has to keep. This one does both, with the two published prices beside it.
The lead side alone, aged, fresh and inbound, is priced on health insurance leads cost. The same sum for final expense is on final expense live transfers, and the dialers agents compare are on the best auto dialer for insurance agents. For the category: the best power dialer software and the cheapest power dialers.
ACA live transfer prices, as sellers publish them
| Seller and product | Per billable call | What makes it billable | Source |
|---|---|---|---|
| Best Leads Network, ACA | $30 | Billable at 120 seconds | bestleadsnetwork.com/pricing |
| Transfer Live Leads, ACA | $45 | 120-second buffer | transferliveleads.com/pricing |
Each seller's own pricing page, read November 12, 2026. Both list Medicare and final expense transfers on the same page. Leadtransfersystem.com, mrlivetransfers.com, ipsleads.com and teleleadsagencyllc.com sell ACA transfers without a public price. PolicySync's blog (March 8, 2025) gives a $30–100 range. We have no arrangement with any seller and have not bought from them.
- Buffers. Both published prices bill at 120 seconds. A caller who has Medicaid or employer coverage and stays on for two minutes still bills, so ask what the seller screens for before the handoff and what it credits.
- Seller claims are seller claims. Transfer Live Leads says its leads convert at 25% to 35%. That is its own figure, not a measured industry rate; your close rate goes in the tables below.
- Season. Open Enrollment for 2027 plans runs November 1 to January 15 on healthcare.gov, with December 15 the last day for coverage from January 1. After January 15, a consumer needs a Special Enrollment Period, so a transfer bought in February is a different product.
Cost per enrollment, from your own close rate
| Transfer price | Close 20% (example) | Close 30% (example) | Close 40% (example) |
|---|---|---|---|
| $30 | $150 | $100 | $75 |
| $45 | $225 | $150 | $113 |
| $60 | $300 | $200 | $150 |
| $100 | $500 | $333 | $250 |
Cost per enrollment = transfer price ÷ your close rate on billable transfers. $30 and $45 are published prices; $60 and $100 are points inside PolicySync's reported range. Close rates are examples to replace, not an industry statistic. Unbillable short calls, cancellations and your time are left out.
| Cost per enrollment | Payback at $15 a month (example) | Payback at $25 a month (example) |
|---|---|---|
| $100 | 6.7 months | 4.0 months |
| $150 | 10.0 months | 6.0 months |
| $225 | 15.0 months | 9.0 months |
Payback = cost per enrollment ÷ the commission one enrollment pays you a month. The commission figures are examples, not any carrier's schedule; use yours, and count members on the policy the way your carriers do.
The aged ACA route, with the dialing priced in
The Leads Warehouse’s 2026 cost guide works an aged example: 4,000 aged ACA leads at $0.25 producing 8 policies. Its sum stops at the leads. Here is the same file with one DialSheet agent dialing every lead once in a month, about 190 dials a working day.
| Enrollments from the file (your input) | Month spent | Aged cost per enrollment | Transfer must cost under, at 30% close | At 40% close |
|---|---|---|---|---|
| 4 | $1,110 | $278 | $83 | $111 |
| 8 | $1,110 | $139 | $42 | $56 |
| 12 | $1,110 | $93 | $28 | $37 |
Month spent: $1,000 in leads plus $110 of dialing: the $29 seat, the agent's own Twilio from perRepTelephony() (an example call mix: 25% voicemail, 10% a person for three minutes, both legs, a number) and AMD at $0.0075 a dial. 8 is the seller's example; 4 and 12 are examples for you to replace.
Most agents in Open Enrollment do both: transfers fill the calendar, and the aged file fills the gaps between them. Measure each by cost per enrollment for two weeks, then put the rest of the budget on the cheaper one before December 15.
The consent record the agent keeps
Sellers talk about how their calls are generated. The federal rule that most directly touches the agent is a different one. Under 45 CFR 155.220(j)(2)(iii), an agent or broker must obtain and document the consumer’s consent before assisting with or facilitating an enrollment through a Federally-facilitated Exchange, or helping them apply for premium tax credits and cost-sharing reductions. We read the section on eCFR on November 12, 2026, current through November 9, 2026.
- What counts. The consumer has to take an action that produces a record. For plan years ending before January 1, 2028, the rule’s examples are a signature, verbal confirmation captured in an audio recording, or a reply to a message the agent sent.
- What the record says. The scope, purpose and duration of the consent, the date, the consumer’s name, the name of the agent or agency, and how the consumer can rescind it.
- How long. At least 10 years, produced on request for CMS monitoring and audits.
- From 2028. For plan years beginning on or after January 1, 2028, the consent has to be collected on an HHS-approved consumer consent form.
Where a dialer fits when you buy transfers
- Transfers ring your phone. The seller sends calls to your number. No dialer is involved, and DialSheet adds nothing to that call.
- The callbacks are a list. “Call me when I have my income letter” becomes a lead with a task and a date. Dial them as a session before December 15, not one at a time from a notepad.
- The gaps are dialing time. Between transfers, a parallel session on two to 5 lines works the aged file, and callbacks from those leads ring DialSheet.
What we do not have
Who runs on it
An insurance agency runs 1,000 calls a month, retained month over month. Also: a solo funding desk, and a customer's own story on its own site.
- dialsheet.ioindependent insurance agencyAn insurance agency runs 1,000 calls a month, retained month over month
- dialsheet.iosolo business-funding deskA solo funding broker dials every single week — 1,335 calls last month
- goodroofing.caHow we book estimatesA Calgary roofer on how a storm-season team calls every homeowner in order, with local numbers and no missed follow-ups. “Our calling runs on DialSheet.”
ACA live transfer questions
How much do ACA live transfers cost?
From sellers that publish a price, read November 12, 2026: Best Leads Network $30 per ACA transfer billable at 120 seconds, and Transfer Live Leads $45 per call with a 120-second buffer. PolicySync's blog (March 8, 2025) puts live transfers at $30 to $100. The other sellers on page one quote on request. What you pay per enrollment is the transfer price divided by your close rate on billable transfers: $30 at 30% is $100.
Are ACA live transfers worth it during Open Enrollment?
Only if the enrollments pay back. A $45 transfer that closes 30% costs $150 an enrollment; at an example $25 a month in commission that is 6.0 months to earn back. Healthcare.gov's Open Enrollment runs November 1 to January 15, and December 15 is the last day for coverage that starts January 1, so the window for buying transfers is short. Put in your own close rate and your carriers' commission schedule.
What is a buffer on an ACA live transfer?
How long the call must last before it bills. Both published ACA prices use 120 seconds. A call that passes the buffer bills whether or not the caller is eligible for a Marketplace plan, so ask the seller how it screens (other coverage, income, state) and what it credits back.
Do I need consent from the consumer on an ACA transfer?
Yes, as the agent. 45 CFR 155.220(j)(2)(iii), read on eCFR November 12, 2026, requires agents and brokers to obtain and document the consumer's consent before assisting with an enrollment through a Federally-facilitated Exchange. For plan years ending before January 1, 2028, a signature, verbal confirmation captured in an audio recording, or a reply to a message the agent sent are examples. The record must be kept at least 10 years. This is not legal advice.
ACA live transfers or aged ACA leads?
Transfers buy a conversation; aged leads buy a chance at one. The Leads Warehouse's own example, 4,000 aged ACA leads at $0.25, is $1,000 in leads. Dialing all of them once in a month on DialSheet's parallel dialer adds about $110, so $1,110 in all, or $139 an enrollment at the 8 its example produces. A transfer closing 30% beats that if it costs under $42.
What dialer do ACA agents use with live transfers?
None for the transfer: it rings the number you give the seller. The dialer is for the callbacks ("call me after I find my income letter") and the aged file between transfers. On DialSheet that is $29 for the seat with a parallel dialer of up to 5 lines, on your own Twilio at ~$0.014/min, month to month.
Transfer prices are each seller’s published figures, read November 12, 2026: bestleadsnetwork.com/pricing and transferliveleads.com/pricing. PolicySync’s range is its blog of March 8, 2025. Open Enrollment dates are healthcare.gov’s. The consent rule is 45 CFR 155.220(j)(2)(iii) on eCFR. The aged example is The Leads Warehouse’s (May 5, 2026). We build DialSheet, so weigh the dialing figures accordingly.