Path 1 · DIY
Install the system yourself
Wire CRM offline conversions, build compliance-grade landing pages, and pre-stage seasonal campaigns yourself. For licensed operators ready to do the work.
Health insurance is the most seasonal business in Google Ads. Medicare Annual Enrollment (Oct 15 - Dec 7) and ACA Open Enrollment (Nov 1 - Jan 15) are your entire year compressed into 13 weeks. CPCs spike 3-4x during enrollment. Healthcare.gov and Medicare.gov let people enroll directly — cutting you out entirely. CMS marketing guidelines mean half your ad copy gets disapproved. And when the window closes, your campaigns go dark until next year. You need a system that maximizes the enrollment windows and builds pipeline in the off-season.
Pick how you want to fix the signal layer
Wire CRM offline conversions, build compliance-grade landing pages, and pre-stage seasonal campaigns yourself. For licensed operators ready to do the work.
$15-40
Off-season; spikes to $40-70+ during AEP/OEP
$80-200
With proper tracking; untracked agencies estimate much higher
$300-600/year
Per enrollee, renewable annually at 70-80% retention
$500-800/year
Initial enrollment; renewals at reduced rate
Medicare AEP starts October 15. ACA OEP starts November 1. Every year, you scramble to set up campaigns, write ad copy, and get through Google's review process. By the time your ads are running, early enrollees have already chosen plans through Healthcare.gov or a competitor. You lose 2-3 weeks of the window every year.
The government marketplaces offer direct enrollment at no cost. Consumers don't know that a broker's service is also free — they assume you charge extra. Your Google Ads compete against the government's own website, plus aggregator sites like eHealth and GoHealth spending $50M+ on marketing.
You can't say 'Medicare' in certain ad contexts without triggering CMS compliance rules. Terms like 'free,' 'guaranteed,' and 'no cost' are heavily restricted. Your ad copy gets disapproved, you rewrite it, it gets disapproved again. Each revision cycle costs you days during a 54-day enrollment window where every day matters.
Between January and October, most agents go quiet on Google Ads. But Special Enrollment Periods (job loss, marriage, moving, turning 65) happen year-round. Medicaid redeterminations push millions into the marketplace. These off-season searches have lower CPCs and zero competition from seasonal advertisers — but you're not running campaigns to capture them.
“AEP started Oct 15. My campaigns didn't go live until Oct 28 because Google kept rejecting the copy. I lost 13 days of the best window of the year. Again.”Reddit r/Insurance
“Clients ask why they should use a broker when Healthcare.gov is free. I don't have a good landing page answer for that. I just hope they call.”Reddit r/PPC
“CMS Medicare marketing rules killed 6 of my 10 ad variations last AEP. Two rejections and you lose a week during a 54-day window.”Reddit r/InsuranceAgent
These are representative outcome patterns we've seen from operators implementing these systems. Details are anonymized; numbers are realistic for the vertical.
Operator profile
Starting point
Enrollments during AEP/OEP: 40-50 (late ramp-up, lost first 2 weeks). Cost per enrollment: $200+ (generic keywords, no tracking).
What changed
Built CMS-compliant ad copy templates, structured campaigns around AEP vs off-season SEP windows, and installed license-level lead routing by state.
Outcome
Enrollments during AEP/OEP → 80-100 with pre-built campaigns live on day 1. Cost per enrollment → $100-150 with intent-segmented campaigns.
Each product builds on the previous one. Start where you are, progress at your own pace.
Landing pages that answer the #1 objection: 'Why use a broker when I can enroll directly for free?' Side-by-side plan comparison tools, subsidy calculators, and appointment booking that proves your value before the first conversation.
Every system on this page is what we install for our own clients. If you'd rather have us run it with you — or for you — these are the paths.
Your 13-week enrollment window is a sprint. Pre-built campaign templates, CMS-compliant ad copy, and plan comparison landing pages — ready to launch on day 1, not week 3. Then capture the off-season SEP triggers that every other agent ignores, at CPCs 60-70% lower than enrollment season.
Or book a free 15-min audit if you're not sure which path fits.
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hello@tegra.co60-min strategy session — closed-deal attribution, regulated-keyword strategy, aggregator-beating funnels, and compliance review. For operators hitting a CPA ceiling or navigating a regulatory shift.
Full ad ops for regulated lead-gen — Google + Meta + dialer + CRM + compliance pages. For $10K+/mo operators in insurance, mortgage, solar, Medicare, debt relief, or nonprofit lead gen.
Operator profile
Starting point
Competing against eHealth and GoHealth on 'Medigap plans' at $52 CPC, cost-per-enrollment stuck at $240, and no separation between T65 birthday windows and general shoppers.
What changed
Built birthday-month triggered Search campaigns tied to turning-65 queries, added plan-comparison landing pages with carrier logos, and connected enrollment-to-effectuation data via the Measurement system.
Outcome
Cost-per-enrollment dropped to $115, T65 capture rate tripled month-over-month, and first-year effectuation held at 94% with commission persistency into year 2.
Operator profile
Starting point
Healthcare.gov direct enrollment cannibalizing 40% of clicks, subsidy calculator missing from landing page, and $180 cost-per-enrollment during OEP with near-zero SEP revenue.
What changed
Built subsidy-calculator landing pages that answered 'why a broker,' launched the AI Agentic System for OEP bid pacing, and stood up year-round SEP campaigns around job-loss and Medicaid-redetermination triggers.
Outcome
OEP cost-per-enrollment down to $92, SEP revenue grew to 18 enrollments/month off-season (prior: 2), and agent productivity rose from 180 to 310 enrollments per OEP.
Our head product. AI agents run your full Google Ads stack autonomously — campaign creation, bid strategy, feed optimization, budget shifts. For operators ready to scale past headcount limits.
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