With five days left in Open Enrollment, you’re running on caffeine and determination. The good news is that the last five days are among the most profitable if you focus on the right activity.
This isn’t the time to get fancy; efficiency is key. Here’s how top ACA agents maximize revenue at the end of OEP without burning out.
Finish the Closing
Early OEP is for education; the last five days are for decisions. At this point:
- Most shoppers already know they need coverage.
- Many are just stuck between two plans.
- Others are waiting for someone to confidently tell them what to do.
Focus on clarity now, not long explanations. Shift your conversations from:
“Let me explain how deductibles work…”
To:
“This plan fits your needs and budget. Let’s enroll now.”
Confidence closes policies and hesitation delays them past the deadline.
Re-Work Unclosed Leads Before You Buy New Ones
Before you spend another dollar on ads or leads, ask yourself:
- Who didn’t pick up?
- Who asked for a quote but never enrolled?
- Who said “I’ll get back to you” last week?
These people are high-intent because the deadline is approaching, so these approaches can work:
- “Don’t miss the Jan. 15 deadline and finish your enrollment.”
- “I have availability today if you still need coverage.”
- “Enrollment closes in 48 hours—happy to help if you’re ready.”
If these leads haven’t already enrolled, they already know you, so they are more likely to respond and enroll quickly, helping you close more sales efficiently and increase your earnings.
Push the Plans You Know Convert in a Prospect’s Area
This is the time to bring the best products in the client’s area to their attention with:
- The networks that are the largest or the easiest to explain in their respective areas.
- The ACA plans that create the fewest post-enrollment issues for the client in costs or coverage.
Lean into those, as fewer choices lead to quicker decisions, allowing you to enroll more clients each day and maximize revenue in these final days. If you still present every option, you’re slowing down and leaving money on the table.
Tighten Your Schedule to Protect Prime Enrollment Hours
The last five days should be appointment-heavy, not task-heavy. Block time for:
- Morning and evening calls
- Same-day enrollments
- Quick turnaround appointments.
Push administrative work to:
- Early morning
- Late evening
- After OEP, where possible, without endangering compliance or enrollments.
If your calendar is cluttered with things that don’t directly produce enrollments, clean it up now. Revenue follows your availability.
Use Urgency Without Sounding Pushy
There is a real deadline, so use it. You don’t need scare tactics, just the facts.
Examples:
- “After the deadline, your next chance before next OEP may only be a life event.”
- “If we submit this tonight, you’re covered February 1.”
- “Rates and subsidies are locked once enrollment closes.”
People wait until the last minute because life is busy. You’re not being pushy, you’re being helpful by reminding them of the deadline.
Cross-Sell Only What Makes Sense and Don’t Force It
Heavy cross-selling isn’t ideal now, but simple, relevant extras can work. Some examples are:
- Dental for families with kids
- Vision for self-employed clients
- Accident plans for high-deductible shoppers.
“Many select dental too—want a quick quote?” If they say yes, great.
If not, move on. The ACA policy is still the winner.
Keep Notes That Pay You Later
Every enrollment now is future revenue if you remember to follow up. Quick notes matter:
- Renewal reminders
- Life events mentioned
- Family changes are coming next year.
Even a simple CRM note can turn one ACA policy into a renewal, a SEP, or a referral. In the future, you will be grateful that you took the 30 extra seconds.
Progress Over Perfection
The last five days of OEP aren’t about perfect presentations, flawless scripts, or ideal workflows. They’re about:
- Focus
- Speed
- Confidence
- Helping people make a decision they already know they need.
Show up consistently, simplify your process, and don’t overthink it. Significant revenue is still possible if you finish strong and enroll people now.
The Agility Difference
With the continuing evolution of the insurance market, Agility develops success and discipline through the expertise of our team 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.
- ACA product expertise through our ACA product specialist, Mike Berglund, available at mberglund@enrollinsurance.com.
- Ancillary guidance from ancillary product specialist Chris Gaston, focusing on supplemental and life product solutions and expertise to add to your portfolio.
- Dedicated Producer Support at (866) 590-9771 or support@enrollinsurance.com, to answer any insurance questions, and add you to our weekly email tips and updates list.
Let Agility empower you to evolve your ACA capabilities and capture the opportunities at hand in 2026.
