U65 Health Insurance Leads and Live Transfer Calls
Off-exchange U65 calls and leads
The short answer
U65 lead generation connects health insurance agents with prospects under 65 shopping off-exchange private coverage: short-term medical, fixed indemnity, and hospital indemnity. Elevarus delivers these as OTP-verified leads and live-transfer calls, filtered for bots and spam and matched by in-market targeting, priced per lead or per qualified call.
Per lead and per call. You set the terms.
Cost per lead (CPL)
Fresh, screened U65 and private health leads delivered to your team, matched to your products and states.
Cost per call (CPC)
Live-transfer calls, billed per qualified call that meets the criteria you set.
You set the products, the states, the daily volume, and the filters. You pay for what matches. No long lists of aged, resold records dressed up as fresh demand.
Cost per lead fits teams with fast speed to lead who want to work fresh submissions at volume. Cost per call fits teams that close on the phone and would rather pay per qualified conversation than per record. Most buyers run a mix, and we scope the split with you against the way your team actually sells.
Built for the operators who sell these products at scale
Elevarus generates U65 and private health leads and calls for the agents, agencies, FMOs, MGAs, and carriers who sell these products at scale. This is not a side vertical we picked up last year. We have spent more than 15 years in U65 and private health lead generation, and the leads reflect it. This program is one part of our insurance lead generation practice.
The whole game here is fit, not raw volume. A lead that does not fit the product is a burned hour, not a sale. We know which products you write, who actually fits them, and how to reach those people before your competitors do. You get U65 leads, private health leads, short-term medical leads, and fixed indemnity leads matched to what you sell, routed while interest is hot, and tracked from the first click to the enrollment that pays you.
The differentiator
The technology behind the leads
OTP-verified leads
Contacts are verified with a one-time-password check on the phone number, so you reach a real person at a reachable number.
Bot and spam detection
Automated traffic, click farms, and junk submissions are filtered out before a lead ever reaches you.
High-intent traffic
We source where people are actively shopping for coverage, then screen for intent before delivery.
In-market targeting
Our models find buyers who fit off-exchange products and are in-market now, routed to the products you write.
The U65 off-exchange shopper, by intent and by who they are
We target by who the buyer actually is, not just what they typed into a search box. Most lead vendors sell you whatever picks up the phone. We do not. Over 15 years in this market taught us that the wrong shopper does not just fail to close, it drags down your whole book. So we build campaigns to reach the people these products were designed for, filter out the marketplace shopper who does not fit, and tune on who actually enrolls and stays on the books.
High-intent searches we go after
We steer off pure informational queries and off marketplace-only shoppers who belong on an ACA plan.
Audience and demographic signals
- Under 65 and paying their own premiums
- Self-employed, 1099, and gig workers
- Between jobs or recently lost employer coverage
- Missed open enrollment or priced out of a marketplace plan
- Early retirees before Medicare eligibility
- Small-business owners without group coverage
Leads and calls, matched to your book
Exclusive or semi-exclusive
Exclusive
Leads and calls go to you alone.
Semi-exclusive
Shared across a small, capped set of buyers at a lower cost per lead.
We match the model to your vertical, your market, and your budget. Some buyers want every lead exclusive. Others want semi-exclusive volume in a market they dominate on speed-to-lead. We scope whichever fits your economics.
There is no single right answer here, and we do not pretend otherwise. Exclusive protects your close rate when you are competing on the phone. Semi-exclusive stretches your budget further when you have the speed to win a shared lead. We will tell you which one fits your book instead of selling you the version that pays us more.
Where U65 demand actually comes from
| Live-transfer calls | Fresh leads | Aged or resold | |
|---|---|---|---|
| Buyer intent | Highest, on the phone now | High, just submitted | Cold, submitted long ago |
| Timing | Real time | Minutes-fresh | Days to months old |
| Exclusivity | Exclusive or semi-exclusive | Exclusive or semi-exclusive | Resold many times |
| Consent | Clean, tracked | Clean, tracked | Often unclear |
| Best for | Teams that close on the phone | Speed-to-lead callers | High-volume dialing |
Elevarus focuses on live-transfer calls and fresh leads, offered exclusive or semi-exclusive.
The operators who built this market
When you buy U65 and private health leads from us, you are not renting traffic from an agency that learned this space last quarter. You are working with the operators who built the machine the rest of the market is still copying.
We have lived every side of this market. We co-founded multiple FMOs, so we understand carrier appetite, product fit, and the economics of a healthy book, not just the media-buying seat. We built marketing platforms front to back across many carriers, FMOs, and MGAs, so we know what works before we spend your first dollar. We have operated multiple lead-generation platforms we own ourselves, so we have absorbed the cost of a mismatched lead in our own P&L instead of theorizing about it. That is exactly why we are obsessed with fit.
We know the subtle difference between a person who belongs on an alternative product and a person who belongs on the marketplace, and we engineer the campaign, the targeting, and the screening so your agents spend their time on the first kind. Anyone can buy clicks. We have spent more than 15 years learning how to buy the right buyer for U65 and private health, and that knowledge is in every lead you get.
- 15+ years in private health and U65 lead generation
- Co-founded multiple FMOs
- Built marketing platforms front to back
- Own and operate multiple lead platforms
- Work across 30 to 40 large FMOs, carriers, and MGAs
Market context: what U65 leads and calls run
For context, not our rates. Typical market ranges we see across the U65 space:
- Shared U65 leads: about $20 to $40 per lead
- Exclusive U65 leads: about $40 to $80 per lead
- U65 live-transfer calls: about $120 to $200 per call
Typical market ranges based on Elevarus's operating experience in U65 and private health. We scope your pricing to your products, markets, volume, and exclusivity on a strategy call.
What U65 and private health leads are
U65 leads are prospects under 65 shopping for coverage outside the ACA marketplace: self-employed and 1099 buyers, gig workers, people between jobs, early retirees before Medicare, and small-business owners without group coverage. They shop off-exchange private options like short-term medical, fixed indemnity, and hospital indemnity, and they shop year-round.
This is a different buyer from the ACA on-exchange shopper. ACA plans are tied to open enrollment. Off-exchange U65 products are sold all year, so the demand does not switch off in February. If a vendor sells you "U65" on the ACA open-enrollment calendar, they are selling you the wrong buyer.
The products these buyers land on are the alternatives to marketplace coverage: short-term medical for people bridging a gap, fixed indemnity and hospital indemnity for budget-aware buyers, and other private plans built for the relatively healthy shopper who does not fit or does not want a subsidized plan. We generate demand for each, matched to what you write and the states you cover.
FAQ
How is U65 different from ACA marketplace leads?
ACA plans are on-exchange and tied to open enrollment and special enrollment windows. U65 off-exchange products are private alternatives, built for relatively healthy people who often earn too much for a meaningful subsidy or simply want a leaner option, and they sell all year. Different buyer, different calendar, different sales motion. We do not conflate the two, and we build campaigns that attract the alternative-product shopper instead of the marketplace shopper.
Are your leads exclusive?
They can be. We offer exclusive or semi-exclusive, matched to your vertical, your market, and your budget. Some buyers want every lead delivered to them alone. Others want semi-exclusive volume in a market they dominate on speed to lead, at a lower cost per lead. You choose the model that fits your economics, and we scope it with you on a strategy call.
How do you keep lead quality high?
Quality comes from fit, not just freshness, because a lead resold many times is burned before you dial it. We run OTP phone verification, bot and spam filtering, high-intent traffic sourcing, and in-market targeting models on platforms we own and operate. With more than 15 years in this space, we know the signals that separate a lead that writes from one that wastes a dial, and we screen for the right buyer before delivery.
Can you deliver volume year-round, including during SEP?
Yes. U65 and private health products are not locked to the ACA open-enrollment window the way marketplace plans are, which is one of their biggest advantages for distribution. Short-term medical, fixed indemnity, and many private plans sell year-round, and self-employed and 1099 buyers shop whenever their situation changes. We generate steady, year-round flow, scale around special enrollment periods and seasonal demand, and tune the pipeline to what your agents can actually work.
How do you target the right people for these products?
We target the sweet spot for these products: self-employed professionals, 1099 contractors, and other relatively healthy people who fit alternative coverage rather than a subsidized marketplace plan. After more than 15 years building marketing platforms front to back around private U65 products, we know the signals that separate a private-health fit from a marketplace shopper. We build the creative, the audiences, and the screening to attract the first and filter out the second, then tune on who actually enrolls and stays on the book.
How do you handle compliance and attribution?
Compliance is built into the campaign, not bolted on afterward. We have co-founded multiple FMOs and operated lead platforms in this space, so we understand the rules and the subtleties of getting the right people the right way for alternative health products. We build clean consent and clear source attribution into every lead, so the calls and leads your agents work are documented and hold up when a carrier looks closely.
How are leads and calls delivered to my team?
Leads and qualified calls route to your team in real time through the systems you already use, because speed to lead is table stakes in this market. We post or transfer to your CRM, dialer, or buyers, matched to your carriers and states, and we track every lead from the first click to enrollment, so you see what clears, not just what came in.
Why buy from Elevarus instead of another vendor?
Because you are hiring operators with more than 15 years in this exact market who own the lead platforms, not a broker reselling someone else's traffic. We co-founded multiple FMOs, built marketing platforms front to back across many carriers, FMOs, and MGAs, and work with 30 to 40 large FMOs, carriers, and MGAs today. We have absorbed the cost of a bad lead in our own P&L, which is why we build the program around fit and quality first.
Where can I buy the best U65 and health insurance leads?
You buy them from an operator that owns its lead platforms and verifies every contact, not a broker reselling aged lists. Elevarus generates U65 and private health leads and live-transfer calls in-house, runs OTP phone verification, bot and spam filtering, and in-market targeting, and delivers them exclusive or semi-exclusive, matched to the off-exchange products you write and the states you cover. The best U65 leads are the ones screened for fit before they reach you, so your agents spend time on buyers the product was built for.
What does exclusive vs shared leads mean?
An exclusive lead goes to one buyer only, so you are the sole agent the shopper hears from, which protects your close rate when you compete on the phone. A shared or semi-exclusive lead is delivered to a small, capped set of buyers at a lower cost per lead, which stretches your budget when you win on speed to lead. Elevarus offers both, exclusive or semi-exclusive, matched to your vertical, market, and budget, and we do not resell your leads into an open marketplace.
What is a reasonable cost per U65 lead?
It depends on exclusivity, the product, and how competitive your states are. Shared U65 leads typically run about $20 to $40 per lead, exclusive about $40 to $80, and U65 live-transfer calls about $120 to $200 per call, as market context from our operating experience rather than our rates. We scope your actual cost per lead or per call to your products, markets, volume, and exclusivity on a strategy call rather than posting a flat rate.
How do health insurance agents get U65 leads?
Most agents get U65 leads three ways: buying from a lead vendor, running their own ads, or working referrals. Buying from an operator that owns its traffic and verifies every contact is usually the fastest way to a steady, predictable flow. Elevarus generates the demand where under-65 buyers are actively shopping off-exchange coverage, verifies each contact with OTP and bot and spam filtering, screens for intent and product fit, and routes the lead or live-transfer call to your team in real time, matched to what you write and where you are licensed.
Other insurance verticals we generate leads for
Let's build your U65 and private health pipeline
Tell us the products you write, the carriers you represent, and the states you are licensed in. We will scope volume, exclusivity, and cost per lead or per call to fit your book.