Get open enrollment health plan quotes by phone with AI

By the CallForMe team at Great Work LLC · Updated Oct 7, 2026 · 3 min read

Short answer: Give your agent your zip, the ages in your household, an income estimate if you want subsidy figures, and the doctors you want to keep. CallForMe calls licensed brokers near you during open enrollment and asks each for premiums, deductibles, whether your doctors are in network, and the enrollment deadline. You get a side-by-side table. It collects quotes; you choose the plan.

Open enrollment for HealthCare.gov plans runs from November 1 to January 15 for 2027 coverage, and the last day to pick a plan that starts January 1 is December 15, per HealthCare.gov's dates and deadlines page. Some states run their own Marketplace website instead of HealthCare.gov (list by state), so check your state's site for its deadline. Comparing plans by phone means repeating your household details to every broker and waiting on hold for each one. Your agent can do the repeating.

Who to call

Licensed agents and brokers. HealthCare.gov describes them as trained insurance professionals who can help you enroll, and says they "must be licensed in their states and have signed agreements to sell Marketplace health plans." If you want premium tax credits, the same page notes that the broker has to enroll you through the Marketplace. Ask each one to confirm they do.

You can also call an insurer's sales line directly. A broker can usually compare several insurers in one call, so 3 broker calls cover more ground than 3 insurer calls.

What your agent does

1. find_business with query: "health insurance broker" and your zip.
2. plan_call with the goal. A goal that says "health insurance" lands in the insurance category, which flags a policy or member number and date of birth. For a new quote you don't have a policy number, so your agent can skip that one. Give ages or birth years in details instead of full dates of birth. It also shows the account-holder tip about transfer_to; that's for calls about an existing policy, not shopping.
3. call_around to ask 3 brokers the same questions at once:

{
  "query": "health insurance broker",
  "near": "75024",
  "count": 3,
  "goal": "Get quotes on 2027 health insurance plans from the Marketplace for a family of 3. For their 2 lowest-premium plans, get the monthly premium, the deductible and whether Maple Street Family Medicine in Plano is in network. Ask the last day to enroll for January 1 coverage.",
  "details": "Household of 3 in zip 75024: adults aged 41 and 39, child aged 8. No one smokes. Estimated 2027 household income $92,000, use it for subsidy estimates. Doctor to keep: Maple Street Family Medicine, Plano.",
  "questions": [
    "Monthly premium after any subsidy, for your 2 lowest-premium plans?",
    "Deductible and out-of-pocket maximum for each?",
    "Is Maple Street Family Medicine in network on each plan?",
    "Last day to enroll for coverage starting January 1?",
    "Do you enroll clients through the Marketplace?"
  ],
  "on_behalf_of": "Sam Lee",
  "callback_number": "+12145550137",
  "constraints": "Do not give an SSN, date of birth, or any ID number. Do not agree to enroll or apply. Collect quotes and dates only."
}

4. get_batch until every call is done. If a broker asks something your agent didn't include, like whether anyone has other coverage through a job, it shows up as a pending_question and your agent answers while the broker waits.

Example result

Illustrative example: names, plans, prices and times are made up. Transcript excerpt from one call:

Assistant: Hi, this is an AI assistant calling for Sam Lee, on a recorded line. Sam's comparing 2027 Marketplace plans for a family of 3 in 75024 and would like a couple of quotes. Broker: Sure. Ages, and roughly what's the household income? Assistant: 41, 39 and 8. About $92,000 for 2027. Broker: Okay. Lowest premium I've got with that doctor's group in network is a silver plan at $412 a month after the credit. Deductible's $5,800 per person. Assistant: And the last day to sign up for January 1? Broker: December 15.

What your agent tells you:

Three calls: 4 minutes, 3 minutes and 1 minute. $1.80 + $1.40 + $1.00 = $4.20.

Tips

• Ask about your doctor by name and location, plan by plan. Plan types handle networks differently: HealthCare.gov's plan types page explains that some restrict you to the plan's network of doctors and hospitals. Ask about each plan, not the insurer.
• Give an income estimate if you want after-subsidy prices. Without one, brokers quote full price, which isn't what most people pay.
• Ask for the out-of-pocket maximum too. Premium and deductible alone don't show the worst case.
• Write down the deadline from the call and from HealthCare.gov. If they differ, the official site wins.
• Keep it to quotes. The assistant won't apply, sign or pay. When you've picked a broker, call back yourself to enroll.

What it costs

$1 per answered call, including the first 2 minutes, then $0.40 a minute, up to 30 minutes. Brokers who don't pick up, busy lines, and voicemail reached within 60 seconds cost nothing. Hold time counts as call time.

Related

• Get auto insurance quotes from local agents
• Find doctors accepting new patients
• Get quotes from several businesses
• Call around with one request
• Check an insurance claim's status

Questions