Finally, leads for agents who sell private plans.
Everyone else sells marketplace shoppers. We screen for income and health first, so every lead is someone you can actually write.Everyone else sells marketplace shoppers. We screen for income and health first, so every lead is an under-65 prospect you can actually write, delivered to your portal, CRM, email, or phone in real time.
Built by the team that has run health insurance ads since 2016
Why most health insurance leads lose you money
Search “health insurance leads” and every vendor sells the same thing: a consumer who typed “cheap health insurance” into an ad. Most of them make under the subsidy line. They qualify for a $0 or near-$0 marketplace plan, they’ll churn at open enrollment, and if you’re building a book of private, short-term, indemnity, or association plans, you can’t help them at all.
You paid full price for a lead you were never going to write.
Get Started- Household incomeTypical leadUnknown. Most are subsidy-eligibleU65 leadScreened above the marketplace subsidy range
- HealthTypical leadUnknownU65 leadSelf-reported no major conditions in the last 5 years
- What they needTypical leadAn ACA plan, often $0 premiumU65 leadA private plan, any month of the year
- What you can writeTypical leadA marketplace plan, with open-enrollment chargeback riskU65 leadA private plan. Two or three written policies cover a week of 50 leads
- Who else got itTypical leadUp to 5 agents, or an aged poolU65 leadYou. Forever
- AgeTypical leadAnyU65 lead18–64 only
- Same $20. A completely different conversation.
How we screen them out before you pay
We don’t “qualify” leads after the fact. We ask the disqualifying questions first, on our own consumer site, and route the wrong answers away before anyone becomes a lead.
- 1
Income first
Every prospect selects their monthly household income before they see a result. Under the subsidy threshold, they’re routed to the marketplace path and are never sold to anyone.
- 2
Health second
A single plain-language screen for major conditions in the last five years. “Yes” or “unsure” goes to the marketplace path. Only “no” continues.
- 3
Real phone, verified
The number is checked against the carrier database the moment it’s typed. Fake, disconnected, or unassigned numbers can’t submit.
- 4
One agent, named
The consent the prospect signs names you specifically. They expect your call.
You only pay for the people who made it through.
Every lead includes
- First & last name
- Carrier-verified cell phone
- Email address
- Age / date of birth
- ZIP code & state
- Household size
- Household income (above subsidy range)
- Health status (self-reported healthy)
- Current coverage situation
- Consent record with timestamp
From signup to a ringing phone in three steps
Pick your weekly volume
50 to 200 exclusive leads a week at a flat $20, or a custom volume. Tell us your licensed states.
We run a campaign just for you
Your own ad campaign in your states, sending prospects to a funnel that names you in the consent. Nobody else’s leads mix with yours.
Leads hit you in real time
Portal, email, Google Sheet, or straight into GoHighLevel, the second they submit. Call while they’re still on the page.
Built for agents who sell what the marketplace can’t
Private-plan and indemnity producers
You’ve been “making do” with ACA leads and closing a fraction of them. These are the other fraction.
Medicare agents adding under-65
You know a pre-screened lead is the only kind worth calling. These come pre-screened.
Agencies that can’t scale private sales
Not because you can’t close them, because you couldn’t source them. Now you can, at volume.
Not for you if you only write ACA marketplace plans, you’re licensed in fewer than 5 states, or you can’t work 25 conversations a week.
Why agents switch to U65 Leads
Off-marketplace by design
Income and health screened before the lead exists. Marketplace shoppers never reach you.
Exclusive forever
No shared pool, no aged resale, no 30-day clock. Generated for you, delivered to you, yours for good.
One simple price
$20 a lead at 50 or 500 a week, and a 25-lead starter at $25 to test the quality. No setup fee, no surprise upsells.
Cancel anytime
Weekly billing, no contract. Pause for a week or two when you need to.
Simple weekly pricing
$20 per lead from 50 a week. Start with 25 at $25 if you want to see the quality first.
Billed weekly. Cancel anytime. No contracts, no setup fees.
New here? Start with 25 a week at $25 a lead, then move to 50 and the price drops to $20.
How many exclusive leads do you want per week?
Two or three written private plans typically cover a full week of 50 leads. Every plan gets its own dedicated ad campaign in your states, and your first leads arrive within 72 hours. Custom volumes up to 500 a week online; more than that, email us for an agency plan.
Is this for you? Built for full-time agents and teams licensed in 5+ states who can work 50+ conversations a week.
Delivered wherever you work.
Speed to lead wins this business. Every lead is pushed the second it comes in.
- U65 Leads portal
- Google Sheet
- GoHighLevel CRM
- Agent intro text with your name
“Are they really off-marketplace?”
The income question is asked before the consent screen and before any result. There’s nothing to gain by inflating it, and anyone under the threshold is routed away automatically.
“What if the number is bad?”
It’s verified against the carrier database before the form submits, and if one slips through, you flag it and we replace it within three business days.
“How is $20 a lead cheap?”
Because the lead can be written. Two or three private-plan policies typically cover a full week of 50 leads.
“Who else gets this lead?”
Nobody. Not now, not in 30 days, not as an aged lead. Ever.
Frequently asked questions
What is an off-marketplace health insurance lead?+
A consumer aged 18 to 64 who requested private health coverage information and, before becoming a lead, reported household income above the ACA subsidy range and no major health conditions in the last five years. They are candidates for private, short-term, indemnity, or association plans rather than a subsidized marketplace plan.
Why are most health insurance leads marketplace leads?+
Because “cheap health insurance” ads attract everyone, and most people who respond qualify for a subsidy. Most vendors sell them all. U65 Leads asks the income and health questions first and routes subsidy-eligible prospects away before they become leads, so you only pay for the people who made it through.
Do you sell ACA or marketplace leads?+
No. Prospects who belong on the marketplace are never sold to anyone.
How are the leads verified?+
Every phone number is run through a Telnyx phone lookup before delivery to confirm it is a real, active number. We also confirm income and health on the survey so you are not calling people who belong on the marketplace.
Are the leads exclusive?+
Yes. Every lead is generated for you and only you. We do not resell, share, or age out your leads. Once a lead is delivered, it is yours forever.
How much do leads cost?+
$20 per lead on plans of 50, 75, 100, 150, or 200 leads per week, or a custom volume in increments of 100 up to 500. A 25-lead starter week is $25 per lead so you can see the quality before moving up. There are no setup fees and no long-term contracts. Two or three written private-plan policies typically cover a full week of 50 leads. Need more than 500 a week? Email us for an agency plan.
Is there a minimum commitment?+
No. Plans are weekly and you can cancel anytime from your account. Cancellation stops future weekly charges. Charges already processed are not refunded, because the leads have already been generated and delivered to you.
How are leads delivered?+
Leads land in your U65 Leads portal the moment they come in. You can also receive them by email, a shared Google Sheet, or pushed directly into your GoHighLevel CRM.
How fast do leads start after I sign up?+
Most orders begin delivering within 72 hours. Your leads are delivered throughout the week in real time as prospects come in, not in one batch.
Can I buy leads for a single state?+
No. Five states minimum, because a per-agent campaign needs enough audience to deliver your volume every week. The more states you include, the faster your leads arrive.
Do you offer aged or shared leads?+
No. Every lead is exclusive to one agent permanently. There is no shared pool and no aged-lead resale.
Do I need to be licensed in specific states?+
You choose the states you are licensed in during signup. We require a minimum of five states so we can fill your order quickly. The more states you include, the faster your leads arrive.
What if I get a bad lead?+
If a lead has a wrong or disconnected number, or is a duplicate of a lead we already sent you, submit a replacement request within three business days and we will replace it. Leads that do not answer or are not interested are not eligible, since we cannot control sales outcomes.
Do you guarantee sales or contact rates?+
No lead vendor can honestly guarantee that. We guarantee real people, real phone numbers, and qualification for a private health plan. Your close rate depends on how fast you call and how well you follow up.
What information comes with each lead?+
First and last name, a carrier-verified cell phone, email, age, ZIP code and state, household size, household income band, self-reported health status, current coverage situation, and the consent record with a timestamp.
How is one-to-one consent handled?+
Each agent gets a personal funnel. The consent text on that funnel names the agent specifically, so every prospect agreed to a call from you, not from “partners.” The exact consent text, timestamp, and hash are stored with every lead.
Which states do you cover?+
All 50 states. You choose the states you are licensed in, at least five, and your campaign runs only there.
Can I pause my plan?+
Yes. Pause for one or two weeks at a time, up to two weeks in any eight-week period, from your billing page. Nothing is charged while paused and delivery resumes automatically.
Can I change my weekly quantity?+
Yes, anytime from your billing page. The new quantity starts with your next weekly bill; the current week is unchanged.
How do I get leads into GoHighLevel?+
Enter your GoHighLevel Location ID and a Private Integration Token in your delivery settings. Each lead is created as a contact with tags and custom fields the moment it arrives. Google Sheet and email delivery are also available.
Do you sell Medicare, final expense, or aged leads?+
No. U65 Leads sells one thing: exclusive, screened, off-marketplace health insurance leads for the under-65 market.
Who is behind U65 Leads?+
U65 Leads is operated by PJP LLC in Gretna, Nebraska. The team has run health insurance advertising since 2016, spending more than $5 million and generating over 100,000 leads for agents.
What U65 Leads is
U65 Leads is a lead generation company that sells off-marketplace health insurance leads to licensed agents. We generate exclusive under-65 prospects who have been income-screened above the ACA subsidy range and health-screened for private plans, and we deliver each one to a single agent in real time.
We do not sell marketplace, Medicare, final expense, aged, or shared leads. Pricing is $20 per lead on weekly plans of 50 to 500 leads, with a 25-lead starter week at $25 per lead, and no contract. U65 Leads is operated by PJP LLC in Gretna, Nebraska, by a team that has run health insurance advertising since 2016, with more than $5 million spent and over 100,000 leads generated.
What is an off-marketplace health insurance lead?
A consumer aged 18–64 who requested private health coverage information and, before becoming a lead, reported household income above the ACA subsidy range and no major health conditions in the last five years. They are candidates for private, short-term, indemnity, or association plans rather than a subsidized marketplace plan.
Most health insurance leads sold to agents are marketplace leads, because “cheap health insurance” ads attract everyone and most respondents qualify for a subsidy. U65 Leads routes subsidy-eligible prospects away before they become leads.
Your next week of private-plan leads starts here.
Pick a volume, answer a few questions, check out with Stripe. Your first screened leads arrive within 72 hours.
Get Started