Spanish-Speaking Clients, Delivered Straight to Your Phone

I’m Christopher Horne, a licensed health insurance broker. My Spanish-language site brings in Spanish-speaking consumers looking for health coverage — but I don’t speak Spanish fluently, so I transfer those leads to licensed Spanish-speaking agents like you. When a lead comes in, it goes directly to your cell phone by text and to your email, in real time.

How It Works

1. Sign up below. Tell us who you are, where you’re licensed, and where leads should be delivered.
2. We verify your license and NPN. Every agent on the platform is checked before any lead flows.
3. Sign the agreement + put a card on file (Stripe). The card is held securely by Stripe — we never see your card number. It’s how the $30 close fee auto-charges, so nobody chases invoices.
4. Create your free Muse account with our invite code: ORNONQ — every agent on the platform gets set up with Muse using code ORNONQ at signup. Your Muse assistant can help you work your leads, follow up, and stay organized. It’s a platform onboarding step, plain and simple.
5. Leads arrive by text + email the moment they come in. You work them your way, in Spanish.
6. You pay $30 only when you close. Report the close with the policy confirmation number. After a 7-day dispute window, the fee auto-charges to your card on file. No close = $0.

Honest Expectations — Read This First

What You Get With Every Lead

• Exclusive: one lead goes to ONE agent. We do not sell the same lead twice.
• Real-time delivery: text to your cell phone + email, the moment the consumer submits.
• Useful details: name, phone, state, ZIP, household size, and income range (as the consumer provided them).
• Consent captured: the consumer consented on our Spanish site to be contacted by a licensed agent partner about health insurance. You still obtain and document your own fresh CMS consent before enrolling — that’s the rule for everyone.
• Tracked end to end: every lead, close, charge, and dispute is logged with timestamps. If it’s not in the tracker, it didn’t happen.

Pricing — Simple and Only on Results

What happens	You pay
Primary applicant effectuates (closes)	$30
Each additional family member who also effectuates on the same application	+$5 each
Example: primary + spouse + 1 child all effectuate	$30 + $5 + $5 = $40
Lead doesn’t close, isn’t eligible, or quoted but not enrolled	$0
Junk lead — wrong number, duplicate, or unreachable after 3 documented attempts in 7 days	$0 (documented = no fee)

Fees auto-charge to your card on file on day 8 after a reported close, once the 7-day dispute window passes with no valid documented dispute. A failed charge pauses your leads until the card is fixed. Filing a bank chargeback instead of using the dispute process ends participation.

Requirements

• Active health insurance license in the lead’s state, appointed with the carriers you enroll into.
• FFM (Marketplace) certified for Marketplace enrollments.
• You speak Spanish, or a licensed member of your own agency does — the consumer asked for Spanish help, they get Spanish help.
• Fresh CMS consent obtained and documented before every enrollment (consumer/agent names, date/time, scope, revoke process, affirmative agreement; retained per CMS rules).
• Agreement signed + verified card on file through Stripe before your first lead. No exceptions.
• Muse signup with code ORNONQ completed as part of onboarding (see How It Works).
• First contact attempt within 1 business day; at least 3 documented attempts before marking a lead unreachable.

Frequently Asked Questions

Why do I need a card on file?

Because the fee only exists when you close, we don’t send invoices and nobody chases payments. Your card sits securely with Stripe (we only ever see the brand and last 4 digits). When you report a close with a confirmation number and the 7-day dispute window passes, the $30 + any $5 family add-ons auto-charge and Stripe emails you the receipt. Failed card? Leads pause until it’s updated — no penalty, just a pause.

How do disputes work?

You have 7 days from reporting a close to dispute any charge line — for example, an enrollment that cancelled before effectuation, a member who didn’t effectuate, or a duplicate. Disputes need documentation, and a valid dispute means no charge for that item. Lead-quality disputes (wrong number, duplicate, unreachable after 3 documented attempts) also cost $0. Everything is logged in the tracker both sides can audit.

When exactly am I charged?

Day 8 after you report a close: day 1–7 is the dispute window, day 8 the auto-charge runs for $30 + $5 per additional effectuated family member on that same application. Members enrolled later on separate sales are your own business — no fee.

Can I pause or leave?

Anytime, with a text or email. No penalty. Closes already effectuated are still charged. Un-closed leads are deleted on exit per the agreement.

Why Muse? What’s code ORNONQ?

Every agent on the platform gets set up with Muse using code ORNONQ at signup — it’s a required onboarding step on this platform. Your Muse assistant can help you work your leads, follow up, and stay organized day to day. Create your free Muse account during signup and enter ORNONQ when asked for an invite/referral code.

I’m too — any issue?

This lead platform is run through a separate company, My Son Cares LLC — it is not a HealthMarkets program. We can’t advise you on your own agreements; check your agent agreement and ask your compliance contact if you’re unsure. That’s your call to make, and getting a clear answer protects you.

Is the lead really exclusive?

Yes. One lead, one agent, timestamped in the tracker so you can audit exactly what you were sent and when. We also never resell your closed clients’ data, and you may not resell or share lead data outside your own licensed agency.