# Health Insurance advertising — Airtime Media
Page: https://myairtime.net/industries/health-insurance
Sources reviewed: 2026-10-17

Health-insurance campaigns should identify whether the offer is Marketplace major medical, employer coverage or another product. Benefits, enrollment rights and effective dates differ; the advertiser's licensed team receives its own calls and real-time web inquiries.

## Jurisdiction
United States Marketplace and health-product standards; state exchange calendars differ.
## Local rules
FTC guidance warns against describing limited-benefit or discount products as comprehensive major medical coverage. Verify producer licensing, the actual plan, costs and availability in each state. State-based exchanges can use different enrollment calendars from the federal platform; a local campaign must use the calendar for the coverage it advertises.
## Timing
Verify the current plan-year deadline with the applicable exchange before airing. At this source review, CMS's 2027-specific overview lists November 1–December 15, 2026 for federal-platform enrollment, while HealthCare.gov's general dates page also lists January 15; those published dates conflict, so do not treat either as a universal deadline. Employer enrollment and qualifying Special Enrollment Periods follow their own rules. Have the client's compliance team resolve the applicable current calendar before using a countdown.

Airtime Media has run direct-response campaigns since 1984. Today's channel mix includes radio, broadcast and cable TV, OTT / streaming TV and social media. Calls ring directly to the client's chosen line; the client's own web leads are shared in real time, never resold. Tested commercials means previously aired creative, not guaranteed results. Pricing is set during the discovery call.

General campaign-planning information, not legal, medical, tax or investment advice. State examples do not apply nationwide. Confirm current requirements and offer-specific deadlines with your compliance team before airing.

## Sources
- CMS — 2027 federal-platform enrollment overview: https://www.cms.gov/files/document/2025-program-integrity-rule-overview-part-i.pdf
- HealthCare.gov — Current dates and deadlines: https://www.healthcare.gov/quick-guide/dates-and-deadlines/
- CMS — State-based exchanges: https://www.cms.gov/cciio/resources/fact-sheets-and-faqs/state-marketplaces
- FTC — Marketing health insurance and related products: https://www.ftc.gov/business-guidance/blog/2024/12/selling-health-insurance-plans-or-healthcare-related-products-take-your-marketing-advertising-its