U65 & Private Health Lead Generation
Built by operators with 15+ years in U65 and private health, 30 to 40 FMO, carrier, and MGA partners, and multiple owned and operated platforms.
Right-fit U65 leads, built by the people who built this market
Elevarus generates U65 and Private Health Leads 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 more experience in U65 and private health lead generation than anyone in the market, and the leads reflect it. The whole game here is fit, not raw volume, because 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 Mini-Med Leads matched to what you sell, routed to your phones while interest is hot, and tracked from the first click to the enrollment that pays you.
You are hiring the operators who built this market's lead infrastructure
We have more experience than anyone in the private health and U65 lead-generation market, and the work backs the claim. We have spent over 15 years in this exact space, longer than most of the platforms now selling you leads have existed. We co-founded multiple FMOs, so we know the economics from the carrier and FMO side, not just the media-buying seat. We built marketing platforms front to back around private U65 products across many carriers, FMOs, and MGAs, and we have operated multiple owned and operated lead-generation platforms ourselves. That means we have felt the cost of a bad lead in our own P&L, which is exactly why we are obsessed with fit. Today we work with 30 to 40 large FMOs, carriers, and MGAs. 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.
What We Generate
U65 Leads
U65 Leads are our primary line, built for how this market actually sells. We generate U65 health demand for the alternative products these buyers qualify for and want, matched to the products you write and the states you are licensed in, then route it to your phones in real time. Real shoppers with intent, not recycled lists worked to death.
Private Health Leads
Private Health Leads are the core of what we do, and we know the private side cold. We generate private health insurance leads for the alternative products that sit outside the ACA marketplace, matched to your carriers and your market. Your agents talk to people the product was designed to serve, not generic health shoppers.
Short-Term Medical (STM) Leads
Short-Term Medical Leads come from buyers who need coverage now and value flexibility over the marketplace. We generate STM demand from people bridging a gap, between jobs, or choosing a leaner plan on purpose, and we target the relatively healthy, price-sensitive shopper STM was built for. Matched to your states and delivered as qualified calls and leads.
Mini-Med / Limited-Benefit Leads
Mini-Med and limited-benefit leads come from precise targeting, because the wrong shopper kills your close rate on these plans. We reach the relatively healthy, budget-aware buyers these limited-benefit products are built for, then route them to your agents while interest is high. Right product, right person, no guesswork.
Right-Fit Targeting
Right-fit targeting is what separates a lead that closes from a lead that wastes a dial. We know the sweet spot for these products: self-employed professionals, 1099 contractors, and other relatively healthy people who actually fit alternative coverage. We build campaigns to reach those people on purpose, then filter out the marketplace shopper who does not fit.
Compliance & Lead Quality
Compliance and lead quality are the foundation, not an afterthought, because bad-fit leads and sloppy consent cost you more than they make. We understand the subtleties of attracting the right type of people for these alternative products as opposed to ACA marketplace plans, and we build clean consent and clear attribution into every campaign. The leads you work hold up.
We target the people these products are actually built for
We target the sweet spot for U65 and private health products: self-employed professionals, 1099 contractors, and other relatively healthy people who do not fit the ACA marketplace and are shopping for an alternative. 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 target by who the buyer actually is, not just what they typed into a search box, then we tune on who actually enrolls and stays on the books. Get the buyer right and the product sells itself. Get the buyer wrong and no script, no speed-to-lead, and no closer saves the call.
- Self-employed professionals paying their own premiums and shopping outside the marketplace
- 1099 contractors and gig workers without employer or group coverage
- Relatively healthy buyers who are a clean fit for alternative products
- Price-sensitive shoppers who want flexibility over a heavily subsidized marketplace plan
- Buyers in a coverage gap who need Short-Term Medical now, not an open-enrollment lecture
- Matched to the carriers, products, and states you write, and tracked from click to enrollment
Experience you cannot rent from an agency
The reason our U65 and Private Health Leads close is that 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. We built marketing platforms front to back across many carriers, FMOs, and MGAs, so we know what works before we spend your first dollar. And we have operated multiple owned and operated lead-generation platforms, so we have absorbed the cost of a mismatched lead ourselves instead of theorizing about it. 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 over 15 years learning how to buy the right buyer for U65 and private health, and that knowledge is in every lead you get.
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 build U65 and private health lead generation around your book, with the right shoppers and clean attribution. Book a strategy call with the operators who built this market, operator to operator, no script.
Frequently Asked Questions
What are U65 and Private Health Leads?
U65 and Private Health Leads are prospects under age 65 who are shopping for health coverage outside the ACA marketplace, matched to alternative products like private health plans, Short-Term Medical, and Mini-Med. They are usually self-employed professionals, 1099 contractors, and other relatively healthy buyers who fit private and alternative coverage rather than subsidy-driven marketplace plans. We generate this demand with paid traffic, qualify for real coverage intent, and route it to your team as qualified calls and leads while interest is warm.
Are your U65 and private health leads exclusive and high quality?
Yes. We build demand for your business and your market, so you are not working the same shopper as everyone who bought the same list. Quality comes from fit, not just freshness, because a lead resold five times has already been burned before you dial it. With over 15 years in this space and multiple owned and operated platforms behind us, we know what separates a lead that writes from one that wastes a dial, so we screen for the right buyer and build clean consent and clear attribution into every campaign.
Can you deliver U65 lead 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, Mini-Med, 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 volume around special enrollment periods and seasonal demand, and tune the pipeline to what your agents can actually work.
How are U65 and private health products different from ACA marketplace plans, and why does that matter for leads?
U65 and private health products are alternatives to ACA marketplace plans, built for relatively healthy people who often do not qualify for or do not want a subsidized marketplace plan. Self-employed professionals and 1099 contractors who earn too much for a meaningful subsidy, and price-sensitive buyers who want a leaner option, are the sweet spot. That matters because the right shopper for these products is different from a marketplace shopper. We understand the subtleties of attracting the right type of people for alternative products, so the leads we deliver actually fit what you sell instead of bouncing off it.
How do you target the right people for U65 and private health products?
We target the sweet spot for these products: self-employed professionals, 1099 contractors, and other relatively healthy people who fit alternative coverage. After more than 15 years building marketing platforms front to back around private U65 products and operating multiple owned and operated lead-generation platforms, 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 for U65 and private health lead generation?
Compliance is built into the campaign, not bolted on afterward. We have co-founded multiple FMOs and operated lead-generation platforms in this space, so we understand the rules and the subtleties of getting the right type of people the right way for alternative health products as opposed to ACA marketplace plans. We build clean consent and clear source attribution into every lead, so the calls and leads your agents work are documented and stand up when a carrier looks closely.
How are the leads 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, not a growth hack. We deliver U65 Leads, Private Health Leads, Short-Term Medical Leads, and Mini-Med Leads with clean data and clear source attribution, posted or transferred to your CRM, dialer, or buyers and matched to your carriers and states. We also track every lead from the first click to enrollment, so you see what clears, not just what came in.
Why should I buy U65 and private health leads from Elevarus instead of another vendor?
Because we have more experience in U65 and private health lead generation than anyone in the market, and the leads reflect it. We co-founded multiple FMOs, built marketing platforms front to back across many carriers, FMOs, and MGAs, and operated multiple owned and operated lead-generation platforms over more than 15 years. Today we work with 30 to 40 large FMOs, carriers, and MGAs. We are operators who have absorbed the cost of a bad lead ourselves, which is why we build the program around fit and quality first. You are not renting traffic from an agency that learned this space last quarter. You are hiring the operators who built it.