Most ACA tools are free to start and expensive to actually run. The bill shows up when quote volume spikes, branded PDFs are needed, or the team grows past one agent.
“Free ACA quoting software”should mean exactly that. No per quote fees. No PDF paywalls. No “free for the first 30 days.” No usage caps that activate the week before AEP. Most products marketed as free are not.
QuoteTurbo is built and funded differently. It pulls live Healthcare.gov Marketplace data, runs APTC, CSR, and SLCSP math, exports a client-ready PDF, and supports multiple agents under one account with no per-quote fees and no seat caps. The bill today is $0. No upgrade tier. No contract. No per enrollment fee. No carrier kickback for steering business.
This page is the explainer. What is included at zero. Why the number stays zero. And what to ask the rep at your current vendor before you renew.
Key Takeaways
- Free ACA quoting software should include subsidy math, PDF export, and no per-quote caps. Not gate them behind a paid tier.
- QuoteTurbo pulls plan data directly from Healthcare.gov; refresh cadence increases during AEP.
- The product is funded by Devkrest engineering. Not advertising, not carriers.
- Solo agents, agencies, and call centers all use the same free tier today. Devkrest custom builds are a separate, optional engagement; the free tool does not depend on them.
- If you run 200 quotes in November, you pay $0 today.
The “free” trap. What the category usually means.
Brokers are not bad at reading contracts. The category is just noisy. Most ACA quoting platforms market themselves as free, and most of them use one of four hidden cost patterns to make the unit economics work.
Per-quote and per-enrollment fees. Some tools let you log in for free, then bill on a per-quote or per-enrollment basis. The math can get expensive during AEP, when a two week volume spike inflates the invoice. Brokers evaluating any free tool should ask the vendor explicitly about per-action fees.
PDF and export paywalls. Some platforms keep the quote flow free and put the client-facing PDF behind a paid tier. That moves the most valuable deliverable behind a monthly seat fee. Verify which export tier you need before adopting any free tool.
Seat minimums and AEP surcharges. The tool is free for one agent. The team plan starts at 5 seats minimum, billed annually, with a volume surcharge that activates the moment quote counts exceed the implied per seat throughput. Reading that sentence is roughly how long it takes to feel cheated.
Stale plan data. The platform caches Marketplace plans because pulling them live costs money. You quote a Silver plan that no longer exists in the rating area, the client signs, and re verification on Healthcare.gov surfaces a different SLCSP. That is not technically a fee. It costs you a renewal and a referral, which works out the same way. A deeper breakdown lives in the “free” tools investigation.
What QuoteTurbo includes at $0
The grid below is the entire price sheet. No Pro tier. No Enterprise SKU. No add on store. Everything in it ships in the free product today.
Live Healthcare.gov data
Plans, premiums, and networks pulled from the CMS Marketplace API at quote time. Refresh cadence increases during AEP so quote results stay aligned with Healthcare.gov as carrier filings shift.
APTC, CSR, and SLCSP math
Subsidy calculation baked into the quote flow. Enter household and income once. Net premiums show on every metal tier. The number that lands on the PDF matches Form 8962.
Side by side comparison
Compare up to 4 plans on premium, deductible, OOP max, copays, and network tier without leaving the quote. The view brokers actually use during a phone call.
Agency-branded PDF export
Upload your logo, set brand color, and export a client PDF from the quote preview. Generated in your browser. Not stored on QuoteTurbo servers. No per-PDF fees.
Plan finder
Suggests three plans for the household with a one paragraph reason for each. You can override. The reasoning is templated from the ranker scores, not free-form generated text.
Carrier filtering
Show only the carriers you are contracted to sell. The Ambetter plan you cannot write does not show up in the list. Less noise, fewer mis quotes.
No per-quote fees, no seat caps
No per-quote fees. No per-agent fee. No seat minimums. A 25 agent agency pays the same as a solo broker today.
HIPAA-aware handling
Client data encrypted in transit. No advertising or third-party tracking pixels on pages that handle client data. BAA evaluated on a per-agency basis through the account email.
One number worth calling out. No per-quote fees, no per-agent fee, no seat caps. A 25 agent agency running 6,000 quotes during OEP pays the same as a solo agent running 12 quotes a month today. $0. There is no AEP toggle that switches the meter on.
If you want to inspect the math before quoting, start with the ACA subsidy calculator or the APTC calculator for brokers. Both use the same subsidy assumptions that feed the plan finder, then the full quote flow adds live plan data and branded PDFs.
Who builds it, and what we will not do with the data.
QuoteTurbo is built and maintained by Devkrest, a custom software engineering firm. Devkrest also offers private ACA platforms for agencies and insurtechs that need their own product on their own domain. The free QuoteTurbo tool is not gated by, conditional on, or a sales channel for that work. Brokers can use QuoteTurbo without ever talking to Devkrest.
What QuoteTurbo explicitly does not do. Data sales. Advertising. Carrier kickbacks. Lead-gen marketplaces. Per-quote fees that scale with broker success. There is no version of QuoteTurbo where a hidden invoice arrives in March because November was busy.
QuoteTurbo vs Quotit and Connecture
The category names brokers recognize. Same feature set on paper, very different pricing and integration assumptions underneath.
| Capability | QuoteTurbo | Quotit | Connecture |
|---|---|---|---|
| Live CMS Marketplace data | Yes | Yes | Yes |
| APTC and SLCSP math built in | Yes | Yes | Yes |
| Plan ranking with reasoning per plan | Yes | Varies by tier | Varies by tier |
| Per-quote or per-enrollment fee | No | No | No |
| Per-agent monthly fee for ACA quoting | $0 | Subscription priced | Subscription priced |
| AEP volume surcharge | No | No | No |
Quotit and Connecture both lean toward larger agencies with multi line product needs and price accordingly. Brokers actively evaluating a switch should read the ACA quoting alternatives hub, plus the Quotit alternative and Connecture alternative pages for vendor specific workflow and pricing notes. QuoteTurbo optimizes for the broker who wants the entire workflow at $0 today, with a clear path to a paid custom build only if and when they outgrow the shared product.
Competitor data verified June 2026. Vendors update features and pricing without notice — confirm directly with the vendor before purchasing decisions. Quotit and Connecture are trademarks of their respective owners. QuoteTurbo is not affiliated with or endorsed by either.
“What is the catch?” Honest FAQ.
Every page about free software gets the same questions. Answers below, in plain English.
Is QuoteTurbo really free during AEP?
Yes. No quote caps, no seat minimums, no per enrollment fees, no peak season surcharges. Run 50 quotes in November or 5,000. The bill is $0.
How can free ACA quoting software stay free?
QuoteTurbo is built and maintained by Devkrest, a custom software engineering firm. It is not funded by advertising, carrier kickbacks, data resale, or per-quote fees on brokers.
Do you sell broker data or client data?
No. We do not sell broker, client, or quote data to anyone. We do not run third party advertising or tracking pixels on pages that handle client PHI. The plumbing exists. We chose not to wire it.
Is QuoteTurbo EDE certified?
Not today. QuoteTurbo is a quoting and comparison tool. Final enrollment routes through Healthcare.gov or your existing EDE platform. EDE certification is on the roadmap for late 2026. Not before.
Can I put my agency branding on the PDFs?
Yes. Save your agency profile and branding under Settings. Logo, brand color, agent contact, and footer text appear on client PDFs you export from the quote preview. PDFs are generated in your browser and are not stored on QuoteTurbo servers.
What if I need a custom platform. White label, EDE, dialer integration?
That is where Devkrest engineering takes over. We build private ACA, EDE, Medicare, and ICHRA platforms for agencies, carriers, and insurtechs. Typical MVP ships in 8 to 12 weeks. Talk to engineering when you are ready.
Brokers are already using it.
QuoteTurbo runs in production every day across solo agents, mid size agencies during AEP, and call centers handling consumer traffic. The homepage activity strip shows illustrative examples of broker workflows, not live platform metrics. The quoting pipeline itself pulls from CMS Marketplace data at quote time.
The shortest path to a verdict is to run one real household through the tool. If the subsidy math, the branded PDF, and the live plan IDs all land without an upgrade prompt, you have your answer about what free ACA quoting software should look like.
