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.
These scripts are written so you can copy, adjust, and use them on real calls today. Each one is tailored for OEP 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.
Clients entering OEP feel overwhelmed. This quick script sets expectations and shows them you ran the numbers already.
“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
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.
This year's ACA plans bring shifting networks, new formularies, and premium adjustments. This script keeps the explanation simple.
“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.”
“Your premium is increasing. It is common across your county this year. Let me compare alternatives so you can keep your costs predictable.”
“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.
Small details turn into big OEP headaches. This script pulls out what clients forget to mention.
“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
Once you narrow down options, this script makes your recommendation sound confident but not pushy.
“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 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 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.
ACA clients respond best to clarity and next steps.
“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.”
“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.”
“I am here the entire OEP season. If anything feels confusing, call me first. I will keep your enrollment protected.”
This builds retention immediately.
“You might see a Marketplace message asking for income verification. I will send you instructions so your subsidy stays active.”
“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.”
“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. Try it on your next client call.
You will feel the difference.
This content is for educational purposes only. ACA rules and guidelines change frequently. Always review the latest updates on HealthCare.gov and official Marketplace communications.