Job Title

Customer Retention Specialist – ACA Health Insurance (Licensed)

Summary

We are seeking a motivated, licensed Customer Retention Specialist to support and retain our Affordable Care Act (ACA) health insurance book of business. This role focuses on building strong relationships with existing policyholders, proactively addressing their needs, and ensuring they maintain the right coverage year after year.

Join a fun, high-energy working environment!  

You must hold an active Health Insurance License to be considered for this position.

Key Responsibilities

Policyholder Retention & Support

• Make outbound and receive inbound calls to existing ACA members to review their coverage and encourage policy retention.

• Conduct annual and periodic coverage reviews with customers to ensure plans still meet their needs and budget.

• Proactively identify customers at risk of cancelling or lapsing and provide solutions to retain their business.

• Educate members on plan benefits, networks, and basic ACA concepts (premium tax credits, cost-sharing reductions, etc.) without providing tax or legal advice.

Enrollment & Renewal Assistance

• Assist customers with ACA renewals, plan changes, and updates during Open Enrollment and Special Enrollment Periods.

• Verify and update customer information to maintain accurate records (income, household size, contact details, etc.).

• Help members understand important deadlines and the impact of changes on their coverage and subsidies.

Compliance & Documentation

• Follow all CMS, marketplace, and state regulatory guidelines for ACA enrollments and member communications.

• Accurately document all customer interactions, retention efforts, and outcomes in the CRM and/or agency management system.

• Protect customer privacy and handle all PHI and PII in compliance with HIPAA and company policies.

Collaboration & Performance

• Work closely with sales, service, and operations teams to ensure a smooth customer experience.

• Meet or exceed retention, call quality, and productivity targets.

• Provide feedback and insights on customer trends, common issues, and opportunities for process improvement.

Qualifications

Required

• Active Health Insurance Producer License in [State] (or ability to obtain prior to start date).

• 1–2+ years of experience in customer service, account management, or retention, preferably in health insurance or financial services.

• Working knowledge of ACA individual and family plans (on- and off-exchange), or strong willingness to learn quickly.

• Strong verbal and written communication skills, with a professional and empathetic phone presence.

• Ability to explain complex information in simple, clear language.

• Comfortable working with call metrics, KPIs, and performance goals.

• Proficiency with basic computer applications and CRM or agency management systems.

Preferred

• Prior experience working with ACA enrollments on Healthcare.gov or a state-based marketplace.

• Experience in a call center or high-volume customer contact environment.

• Bilingual (e.g., English/Spanish) a strong plus.

Core Competencies

• Customer Focus: Genuinely cares about helping people maintain appropriate coverage.

• Persuasion & Retention Skills: Able to address concerns, handle objections, and present alternatives that keep customers insured.

• Detail-Oriented: Accurate with data entry, documentation, and compliance steps.

• Problem-Solving: Quickly identifies issues and offers practical solutions.

• Resilience: Stays positive and professional when dealing with upset or anxious customers.

• Team Player: Collaborates well with colleagues and supports team goals.

Work Environment & Schedule

• Monday - Friday 9am - 6pm

• Full-time position; extended hours and overtime may be required during peak periods such as Open Enrollment.

Pay

• Base of $700 week + commission.  $1000+ per week.