Welcome to the final 24 hours of ACA Open Enrollment. This is the sprint at the end of a marathon that affects your January book and your sanity.
To successfully navigate these final hours, you need focus, clear priorities, and zero time wasted on things that won’t convert.
Go All-In on ‘Ready-to-Enroll’
At this point, your job is to enroll people who are 90% there. Pull your list and focus on:
- Clients who already talked to you
- People who asked for quotes
- Anyone who said, “I just need to look it over.”
- Clients who missed your last call or text.
These folks need a nudge or a quick answer to get to their final destination. Simple outreach works best today:
“Hey, just a reminder that today’s the last day to enroll for February 1 coverage. Want me to lock this in for you?”
That’s all you need to do.
Don’t Forget Current Clients Who Haven’t Acted
Some of your easiest enrollments are sitting quietly in your book. Reach out to:
- Clients who didn’t respond during OEP
- Clients who said, “Keep my plan for now.”
- Clients who assumed auto-renewal meant “done.”
- Clients who lost subsidies on January 1, 2026.
A quick check-in can uncover:
- Subsidy changes
- New plan options
- Lower premiums than they expected.
Even if they don’t need a change, the outreach builds trust beyond OEP.
Pick Up the Phone
Don’t hide behind email today because calls convert better in the final hours due to:
- Urgency is real
- Objections surface fast
- Decisions happen on the spot.
If calling feels awkward, remember that you’re helping someone avoid months uninsured. Leave short voicemails:
“Just calling because today is the deadline for February 1 coverage. Call or text me back if you want to get this done.”
Leave the message to move on since momentum beats perfection.
Make Enrolling as Frictionless as Possible
In the last 24 hours, complexity kills conversions, so do this instead:
- Stick to 1–2 plan options.
- Reconfirm doctors and meds quickly.
- Avoid deep “what if” scenarios.
- Use plain language, not policy jargon.
Today’s goal isn’t a perfect plan; it’s coverage. If someone starts spiraling:
“We can always review and make changes later. Let’s get you enrolled today so you don’t miss the deadline.”
That reassurance closes more deals than you think.
Expect Technology Issues and Plan Around Them
Marketplaces slow down, uploads lag, and logins fail. That’s normal today.
What helps:
- Start enrollments earlier than the “last minute.”
- Keep screenshots or notes.
- Stay calm as clients follow your energy.
- Have a backup plan if systems stall.
If something breaks, communicate clearly what’s happening: “The system’s running slow, but I’m on it. I’ll keep you updated.” Confidence beats panic every time.
Protect Your Energy
You’re no good to anyone if you burn out at hour 20, so use these quick survival tips:
- Eat real food.
- Drink water.
- Stand up between calls.
- Take a few deep breaths.
End the Day with a Clean Wrap-Up
When the clock runs out:
- Document enrollments
- Flag potential SEP follow-ups
- Note unresolved leads
- Send thank-you messages where appropriate.
This sets you up for:
- Fewer headaches
- Better retention
- Easier renewals next year.
The last 24 hours of OEP are about being available, responsive, and steady. Show up and keep it simple to help people make a decision.
That’s how you end OEP strong, and head into the new year with momentum, not regret.
The Agility Difference
With the ongoing evolution of the insurance market, Agility develops success and discipline through our team’s expertise to position you for growth. With Agility, you get:
- Local market managers who offer regional insight and grassroots intelligence about what’s happening in your markets.
- Dedicated Producer Support at (866) 590-9771 or support@enrollinsurance.com to answer any insurance questions and direct you to our Medicare, ACA, and ancillary experts. They can also add you to our weekly email list for tips and updates.
Let Agility empower you to evolve your ACA capabilities and capture the opportunities at hand in 2026.
