Health insurance leads cost: ACA leads per lead, and per policy once you dial them
The best page on this question works a cost per policy for 4,000 aged ACA leads, then says the piece agents forget is making the dials, and stops there. This page prices that piece, in Open Enrollment, from the reader’s side.
If you also write Medicare, the AEP version of this page is Medicare leads cost; for final expense it is final expense leads cost. The dialers insurance agents compare are on the best auto dialer for insurance agents. For the category: the best power dialer software and the cheapest power dialers.
Health insurance lead prices by format
| Lead format | Per lead or call | Source |
|---|---|---|
| Aged health leads, 180+ days | $0.15–$0.50 | Aged Lead Store, March 13, 2026 |
| Aged health leads, 31–60 days | $1.50–$3.00 | Aged Lead Store, March 13, 2026 |
| Aged ACA leads | $0.50–$3.00 | Aged Lead Store, March 13, 2026 |
| Real-time co-registration leads | $0.50–$2.00 | The Leads Warehouse, May 5, 2026 |
| Exclusive health lead | $15 | Parasol Leads, read November 7, 2026 |
| Fresh shared ACA lead | $10–$30 | Aged Lead Store, March 13, 2026 |
| ACA real-time form lead | $10–$50 | The Leads Warehouse, May 5, 2026 |
| Fresh exclusive ACA lead | $30–$80 | Aged Lead Store, March 13, 2026 |
| ACA inbound call | $30–$90 | The Leads Warehouse, May 5, 2026 |
Each seller's published figure as its page states it, read November 7, 2026. Aged Lead Store sets a $100 minimum order. The Leads Warehouse puts aged health leads at "pennies up to $0.50" and says inbound-call prices rise with the buffer, the seconds you have to qualify the caller before you are charged. Ranges are the sellers', not ours.
Aged health insurance leads, by age
| Lead age | Per lead |
|---|---|
| 15–30 days | $2.50–$5.00 |
| 31–60 days | $1.50–$3.00 |
| 61–85 days | $0.75–$1.75 |
| 85–180 days | $0.35–$1.00 |
| 180+ days | $0.15–$0.50 |
Aged Lead Store's tier ranges for aged health insurance leads (its guide, March 13, 2026, read November 7, 2026). The same page states contact rates for each tier; those are the seller's figures, so we leave them out and let your own dialing set the rate.
A 31–60 day lead costs several times a 180-day one. Whether that pays depends on how many more of them pick up for you, and the only honest way to know is to dial a few hundred of each and count conversations.
The dialing the cost-per-policy examples leave out
| Leads or calls | Dialing on DialSheet | Month spent | Policies (seller’s example) | Per policy | |
|---|---|---|---|---|---|
| Aged leads, one pass | $1,000 | $110 | $1,110 | 8 | $139 |
| Aged leads, as the seller priced it | $1,000 | Not counted | $1,000 | 8 | $125 |
| Inbound calls | $960 | Nothing to dial | $960 | 3 | $320 |
The Leads Warehouse's worked example (May 5, 2026): 4,000 aged leads at $0.25 writing 8 policies, and 12 inbound calls at $80 writing 3. The policy counts are that seller's example, not ours and not a forecast. Dialing: one DialSheet agent dials each aged lead once in a month, about 190 dials a working day over 21 days: the $29 seat, their own Twilio from perRepTelephony() (both legs and a number; call mix an example: 25% voicemail, 10% a person for three minutes) and AMD at $0.0075 a parallel dial.
The dialing adds about $14 on each of the seller’s 8 policies. The seller’s own caveat matters more: the aged route only beats the $320 inbound policy if you actually make 190 dials a day. 190 dials is about what the two-seat acquisition team on our customers page sustains per rep on the parallel dialer, so it is a working day, not a weekend.
Cost per policy, worked from your own close rate
| Policies from 4,000 aged leads (your input) | Month spent | Cost per policy |
|---|---|---|
| 4 | $1,110 | $278 |
| 8 | $1,110 | $139 |
| 12 | $1,110 | $93 |
| 16 | $1,110 | $69 |
| 20 | $1,110 | $56 |
Month spent: 4,000 aged leads at $0.25 ($1,000) plus one DialSheet agent dialing each once ($110). The policy counts are examples for you to replace, not a forecast or a measured rate. Your time, a CRM you already pay for and chargebacks are left out.
- The formula. (leads + dialer + minutes + anything else the campaign used) ÷ policies that stayed on the books. Both sellers above use the same shape; neither puts a figure on the phone.
- Fresh leads are a speed problem. 100 exclusive leads at Parasol’s $15 are $1,500; calling each one within minutes and five times over its first week is about $36 a month on one line with Power Dial. Spend the effort on being first, not on lines.
- Compare formats on conversations. An inbound call is one conversation you paid $30–$90 for. Count conversations and policies per dollar for every format, not leads per dollar.
Load a lead file and dial it today
- Export. Download the file from the seller or your FMO’s portal as a CSV with name, phone, state, ZIP and the lead date.
- Import. Upload it and map the columns; the walkthrough is how to call a list of leads from a spreadsheet.
- Get a line. Connect your own Twilio account, or buy a DialSheet-managed line with a local number.
- Dial. Power Dial on one line for fresh leads, or a parallel session on two to 5 lines for an aged file. The free plan covers 500 calls a month.
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.”
Health insurance lead cost questions
How much do health insurance leads cost?
It depends on format and age. Aged Lead Store's guide (March 13, 2026) puts aged health leads at $0.15 to $5.00 a record and fresh exclusive ACA leads at $30–$80. The Leads Warehouse (May 5, 2026) prices ACA real-time form leads at $10–$50, co-registration leads at $0.50–$2.00 and ACA inbound calls at $30–$90. Parasol Leads publishes $15 for an exclusive health lead. Calling them is a separate cost: on DialSheet's parallel dialer, about $0.03 a lead for one dial each across 4,000 aged leads, seat and minutes included.
How much do ACA leads cost during Open Enrollment?
Fresh ones cost more. Aged Lead Store says fresh ACA lead prices rise 30 to 50% during Open Enrollment, which runs November 1 to January 15 for 2027 plans (healthcare.gov), while its aged prices stay the same all year: $0.50–$3.00 for aged ACA leads. That is the seller's own statement, not a measured index. Aged leads also suit Special Enrollment Period selling after January 15, when a life event opens a window.
What does an ACA policy cost in leads?
Divide everything you spent by the policies it produced. The Leads Warehouse's own example: 4,000 aged leads at $0.25 ($1,000) writing 8 policies is $125 a policy, against $320 for 12 inbound calls at $80 writing 3. It leaves out the dialing. One DialSheet agent dialing all 4,000 once in a month adds $110, which makes it $139 a policy. The policy counts are that seller's example, not a forecast.
Are aged health insurance leads worth it?
They are the cheapest records and the hardest to reach, so they are worth it when you can make the dials. The Leads Warehouse makes the same point: the aged route only beats inbound calls if the agent can produce conversations by phone. A parallel dialer that rings two to 5 numbers at once is built for that: on DialSheet it is about $110 a month for one agent at 190 dials a working day. If you will not dial, buy inbound calls instead; the call is the conversation.
Health insurance leads cost on Reddit: what are agents paying?
r/InsuranceAgent threads on the results page today include "Lead price?", "How Much Do You Pay For Leads?" and "Experience with buying ACA/Medicare leads?". The top answer on the first asks what line you write, because that sets the price; others mention $15 to $20 for life leads. The useful figure is cost per policy, which needs your own contact and close rates.
Do I need a dialer to call health insurance leads?
For a few fresh leads a day, no: call each one within minutes from any phone. For an aged file of hundreds or thousands, yes, or the hours go into dialing instead of talking. DialSheet is free for one person, with a list of up to 500 leads and 500 calls a month, then $29/month per seat with parallel dialing included, on your own Twilio at ~$0.014/min. Calling 100 fresh leads five times each on one line is about $36 a month all-in.
Lead prices are each seller’s published figures: Aged Lead Store (agedleadstore.com/health-insurance-leads-cost, dated March 13, 2026), The Leads Warehouse (theleadswarehouse.com, dated May 5, 2026) and Parasol Leads (parasolleads.com/pricing), all read November 7, 2026. Open Enrollment dates from healthcare.gov, read the same day. We do not sell leads and have no arrangement with any seller. We build DialSheet, so weigh the dialing figures accordingly.