--- title: Plan Review Scripts to Use During OEP Calls description: Use these ACA OEP plan review scripts to uncover client needs, simplify conversations, and boost enrollments. Fast, plain-language scripts built for busy agents. image: https://hub.quotit.com/hubfs/_Quotit/Blog-Images/ChatGPT%20Image%20Nov%2020%2c%202025%2c%2002_48_13%20PM.png --- [Skip to main content.](https://hub.quotit.com/blog/plan-review-scripts-to-use-during-oep-calls#main-content) # Plan Review Scripts to Use During OEP Calls [ACA](https://hub.quotit.com/blog/tag/aca), [OEP](https://hub.quotit.com/blog/tag/oep) [ The Quotit Team | ](https://hub.quotit.com/blog/author/the-quotit-team) November 24, 2025 | 6 MIN READ TIME Clear, plain-language scripts help you uncover gaps, fix enrollment mistakes, and keep clients confident during ACA Open Enrollment. Strong scripts make your calls faster, smoother, and more repeatable. Your ACA OEP schedule is already full. Clients are shopping plans, moving zip codes, losing subsidies, or panicking about network changes. You need scripts that work quickly, build trust, and guide clients toward the right decision without overwhelming them. This guide gives you short, repeatable scripts you can use in your ACA OEP calls to confirm details, handle confusion, and highlight what clients actually care about next year. ## Plan Review Scripts to Use During ACA OEP Calls These scripts are written so you can copy, adjust, and use them on real calls today. Each one is tailored for [OEP](https://hub.quotit.com/resources/aep-oep-toolkit-for-insurance-agents-and-agencies) conversations where speed, clarity, and trust-building matter most. The right script does three things. It builds trust. It uncovers the real issue. It moves the conversation toward an informed decision. --- ## Core Script: Start Every OEP Call Strong Clients entering OEP feel overwhelmed. This quick script sets expectations and shows them you ran the numbers already. ### **Opening Script ** **“Hi [Name], I pulled up the [plan year] Marketplace plans for your area. I want to walk through any coverage changes, check your doctors and prescriptions, and compare your subsidy options. We will go step by step so you feel confident choosing a plan for next year.”** Why it works: • Sets a calm tone • Shows preparation • Positions you as a guide, not a salesperson ### Discovery Questions Ask these early. Keep them quick. • “Did anything change with your income for [plan year]?” • “Are you keeping the same doctors next year?” • “Any expected surgery, new diagnosis, or new medication?” • “Is the household size changing?” • “Did you get any notices from the Marketplace?” These are the drivers of premium, network, and subsidy changes. --- ## Script for Reviewing Plan Changes This year's [ACA plans](https://hub.quotit.com/resources/quoting-and-online-enrollment-in-an-aca-world) bring shifting networks, new formularies, and premium adjustments. This script keeps the explanation simple. ### Plan Change Script “Here are the updates I see for your current plan in [plan year]. Your premium is changing, your deductible resets in January, and I see a few network changes. I will compare this with similar plans to find the strongest value for next year.” ### If the Premium Increased “Your premium is increasing. It is common across your county this year. Let me compare alternatives so you can keep your costs predictable.” ### If the Network Changed “Your doctor list shifted this year. Let me re-check your preferred providers across all plans in your area so you do not lose access unexpectedly.” These lines are simple, neutral, and effective. --- # Script to Uncover Hidden Issues Small details turn into big [OEP](https://www.kff.org/topic/affordable-care-act/) headaches. This script pulls out what clients forget to mention. ### Hidden Issue Script **“Before I compare plans, let me double-check a few things clients often forget to bring up. Has your income changed, did you move zip codes, or do you expect any new prescriptions next year?”** Why it works: • It signals expertise • It reduces future corrections • It protects the client and avoids SEP errors --- # Script for Recommending a New Plan Once you narrow down options, this script makes your recommendation sound confident but not pushy. ### **Recommendation Script** **“Based on everything you shared and the changes this year, this plan gives you the best value. Your doctors are in network, the premium fits your budget, and your medications have better coverage. Here is how it compares to your current plan.”** ### **If They Need a Lower Premium Option** **“If you want the lowest possible monthly cost, this plan meets that goal. It has a higher deductible, but it fits the budget you shared and still covers the essentials.”** ### ** If They Want Better Coverage** **“If your priority is more predictable costs, this plan reduces your out of pocket exposure. It is designed for clients who want fewer surprises during the year.”** Short. Clear. Honest. --- # Scripts for Closing the Call with Confidence [ACA clients](https://www.agentbrokerfaq.cms.gov/s/) respond best to clarity and next steps. ### ** Closing Script** **“I will finalize your enrollment and send you a confirmation. You will also get a checklist to help you use your plan on January 1. If anything changes, call or text me before December 15 so I can adjust your application.”** ### **If They Need Time to Decide** **“I will email the plan comparison and a short summary of the differences. Review it tonight, and I can finalize everything on tomorrow’s call.”** ### **Post-Call Trust Builder** **“I am here the entire OEP season. If anything feels confusing, call me first. I will keep your enrollment protected.”** This builds retention immediately. --- ## Scripts for Handling Common OEP Situations ### **If Income Verification Is Required** **“You might see a Marketplace message asking for income verification. I will send you instructions so your subsidy stays active.”** ### **If Clients Received Marketplace Letters** **“If you see a Marketplace notice, send me a screenshot. The messages are often confusing, and I will walk you through what it means for your plan.”** ### **If Clients Ask About Their Subsidy** **“Your subsidy is based on your income estimate for next year. If anything changes, tell me so we can adjust it and avoid issues during tax time.”** --- OEP is fast, loud, and urgent. Scripts help you stay consistent, reduce mistakes, and build trust with overwhelmed clients. When your language is simple, your calls stay shorter and more confident. If you want to simplify ACA OEP even further, Quotit gives you quoting, doctor and drug lookup, plan comparison, and enrollment tools all in one place. Your next smooth OEP call starts here. **[Try Quotit](https://marketing.quotit.com/schedule-a-demo). Try it on your next client call. You will feel the difference.** **[![New call-to-action](https://no-cache.hubspot.com/cta/default/4902876/d4d2f62c-b441-43b2-a76a-3468b6c8766d.png)](https://cta-redirect.hubspot.com/cta/redirect/4902876/d4d2f62c-b441-43b2-a76a-3468b6c8766d)** *This content is for educational purposes only. ACA rules and guidelines change frequently. 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Continue Reading ACA, Medicaid, Compliance ](https://hub.quotit.com/blog/medicaid-work-requirements-final-rule-what-agents-need-to-know-for-2027) ## **Take your insurance business to the next level with Quotit** [ Request A Demo ](https://marketing.quotit.com/schedule-a-demo) [ See Pricing ](https://www.quotit.com/pricing/) ![](https://px.ads.linkedin.com/collect/?pid=2551020&fmt=gif) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "The Quotit Team", "url" : "https://hub.quotit.com/blog/author/the-quotit-team" }, "dateModified" : "2025-11-24T15:45:00.778Z", "datePublished" : "2025-11-24T15:45:00.000Z", "headline" : "Plan Review Scripts to Use During OEP Calls", "image" : [ "https://hub.quotit.com/hubfs/_Quotit/Blog-Images/ChatGPT%20Image%20Nov%2020%2c%202025%2c%2002_48_13%20PM.png" ], "mainEntityOfPage" : { "@id" : "https://hub.quotit.com/blog/plan-review-scripts-to-use-during-oep-calls", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://hub.quotit.com/hubfs/QT-Logo-Big%20(1920)-1.png" }, "name" : "Allstate Health Solutions" } } ``` ```json { "@context" : "https://schema.org", "@type" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "An ACA plan review call during Open Enrollment is a conversation where an agent reviews a client's current or proposed Marketplace plan for 2026, checks that income, household details, doctors, and prescriptions are correct, and confirms that the plan still fits the client's needs before submitting or updating an application." }, "name" : "What is an ACA plan review call during OEP?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "During an ACA OEP plan review, agents should ask about income changes, household size, preferred doctors and clinics, new or expected prescriptions, and any recent notices from the Marketplace. 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This helps clients understand their 2026 options faster and reduces errors during OEP." }, "name" : "How can tools like Quotit support ACA plan review calls?" } ] } ```