These state guides help US insurance call buyers prepare licensing questions, time-zone coverage and marketplace research. A state page is not a listing of available calls or a local Callmart office. Confirm eligible states, campaigns and current supply in your approved workspace before enabling buying.
What each state page covers
- Time zones to consider when planning inbound staffing and any separately authorized outbound follow-up.
- Recording questions to review for the jurisdictions and insurance products involved.
- The exact official name of the state insurance regulator, and where to find it.
- How the state runs its health insurance marketplace, which matters for ACA conversations.
- The largest metro areas in the state.
These pages are general information for planning, not legal advice, and rules change. Confirm anything you are going to rely on with your own counsel and with the state regulator. The campaigns and coverage available to you appear in your approved workspace and are not state-specific inventory listings.
All fifty states
Buying insurance calls in AlabamaWhat an Alabama agent or agency needs to know before switching on inbound calls: the clock, the consent rule, and who regulates the sale.Buying insurance calls in AlaskaAlaska Time sits well behind the Lower 48, which changes how an out-of-state desk should plan its calling window into Anchorage, Fairbanks and Juneau.Buying insurance calls in ArizonaArizona's fixed Mountain Standard Time throws off desks that assume every state moves its clocks twice a year, which makes it worth getting right.Buying insurance calls in ArkansasA Little Rock or Fayetteville desk works from a single Central-time clock and a one-party consent rule, which simplifies two of the harder questions elsewhere.Buying insurance calls in CaliforniaCalifornia is an all-party consent state and runs its own ACA exchange, Covered California, two facts that shape almost every call desk decision here.Buying insurance calls in ColoradoColorado pairs a single Mountain-time clock with its own ACA exchange, Connect for Health Colorado, which changes how ACA conversations should be framed.Buying insurance calls in ConnecticutConnecticut splits its consent rule by medium, one-party for in-person conversations but all-party for phone calls, a distinction worth getting exactly right.Buying insurance calls in DelawareDelaware's own privacy and wiretapping statutes point in different directions on consent, an ambiguity worth flagging rather than guessing past.Buying insurance calls in FloridaFlorida is an all-party consent state with a real internal time-zone split, two facts that matter more here than almost anywhere else in this batch of states.Buying insurance calls in GeorgiaGeorgia moved its ACA business onto its own exchange, Georgia Access, which changes how a buyer should frame marketplace questions from Atlanta to Savannah.Buying insurance calls in HawaiiHawaii's fixed clock means its distance from a mainland desk actually changes by an hour twice a year, even though Hawaii itself never moves.Buying insurance calls in IdahoIdaho's time-zone line runs along the Salmon River, splitting the state between Mountain and Pacific time in a way that is easy to miss on a national desk.Buying insurance calls in IllinoisIllinois is an all-party consent state that just moved off HealthCare.gov onto its own exchange, Get Covered Illinois, starting with 2026 coverage.Buying insurance calls in IndianaMost of Indiana runs on Eastern time, but 12 counties near Chicago and the Kentucky border run on Central, a split worth checking county by county.Buying insurance calls in IowaDes Moines runs on the same clock and consent rule as the rest of Iowa, one of the more straightforward states in this group to plan around.Buying insurance calls in KansasKansas is Central time almost everywhere, except four counties on the Colorado border that quietly run on Mountain time instead.Buying insurance calls in KentuckyLouisville and Lexington run on Eastern time while western Kentucky, including Bowling Green, runs an hour behind on Central, a split worth checking by city.Buying insurance calls in LouisianaA straightforward one-party consent state on Central time, which makes Louisiana a comparatively simple market to set up correctly.Buying insurance calls in MaineA small, early-rising market with its own health exchange and a regulator that sits inside a larger financial agency.Buying insurance calls in MarylandAn all-party recording state with its own health exchange, where a disclosure at the top of the call is not optional.Buying insurance calls in MassachusettsThe strictest recording statute you will meet in New England, paired with the oldest state run health exchange in the country.Buying insurance calls in MichiganA contested recording rule and a split time zone make Michigan the state most often set up wrong by an out of state desk.Buying insurance calls in MinnesotaOne time zone, one-party recording consent, and a state run exchange that keeps ACA work off the federal platform.Buying insurance calls in MississippiThree separate markets on one license, a permissive recording rule, and the federal exchange your agents already know.Buying insurance calls in MissouriTwo border metros, a one-party recording rule for phone calls, and a regulator that covers commerce as well as insurance.Buying insurance calls in MontanaA recording rule that does not fit the usual labels, and a regulator you will not find by searching for a department of insurance.Buying insurance calls in NebraskaThe time zone line runs further east than most desks assume, and that is where a Nebraska campaign usually goes wrong.Buying insurance calls in NevadaThe state most often listed wrong on a compliance chart, and the latest state on the clock for an Eastern desk.Buying insurance calls in New HampshireA strict recording rule and a federal exchange, sitting between two neighbors that do both of those differently.Buying insurance calls in New JerseyThe same state department that issues your producer license also runs the health exchange your ACA calls will enroll through.Buying insurance calls in New MexicoMountain time, a state run health exchange, and one-party recording consent are the three facts that shape a New Mexico desk.Buying insurance calls in New YorkOne time zone, one-party recording consent, and a regulator that oversees banks and insurers from the same building.Buying insurance calls in North CarolinaTwo large metros, a single Eastern time zone, and one-party recording consent make North Carolina a straightforward state to staff.Buying insurance calls in North DakotaA split time zone state where the county on the caller's address decides when you are allowed to dial back.Buying insurance calls in OhioOhio sits in a single time zone and a single recording-consent rule, which makes it one of the simpler states to staff a call desk for.Buying insurance calls in OklahomaOklahoma runs on Central time and elects its insurance commissioner directly, two details worth knowing before you staff a desk here.Buying insurance calls in OregonOregon's call recording law is the most contested one on this list, and it deserves more caution than a quick answer.Buying insurance calls in PennsylvaniaPennsylvania is an all-party consent state with its own ACA marketplace, Pennie, two facts that shape how a call desk here should run.Buying insurance calls in Rhode IslandRhode Island is small enough that a single Eastern-time desk covers it entirely, and it runs its own ACA marketplace, HealthSource RI.Buying insurance calls in South CarolinaSouth Carolina keeps things simple: one time zone, one-party consent, and the federal marketplace for ACA enrollment.Buying insurance calls in South DakotaSouth Dakota is one of the split time zone states on this list, divided roughly along the Missouri River between Central and Mountain.Buying insurance calls in TennesseeTennessee is split across two time zones by county, with about three quarters of the state, including Nashville and Memphis, on Central time.Buying insurance calls in TexasTexas is almost entirely Central time, except for El Paso and Hudspeth counties, which run an hour behind on Mountain time.Buying insurance calls in UtahUtah is a single Mountain time zone state with one-party consent, which keeps a call desk here relatively simple to run.Buying insurance calls in VermontVermont runs its own ACA marketplace, Vermont Health Connect, inside a small, single-zone Eastern time state.Buying insurance calls in VirginiaVirginia regulates insurance through a Bureau inside its State Corporation Commission, not a standalone insurance department, an easy detail to get wrong.Buying insurance calls in WashingtonWashington requires consent from every participant to record a call, with a specific announcement exception worth understanding before you rely on it.Buying insurance calls in West VirginiaWest Virginia is a single Eastern time zone, one-party consent state, with a regulator whose full name is worth getting right.Buying insurance calls in WisconsinWisconsin runs a single Central time zone, one-party consent, and its regulator carries a distinct name worth confirming before you write about it.Buying insurance calls in WyomingWyoming is the least populous state on this list, running on a single Mountain time zone with one-party consent for recording calls.
Common questions
01Does Callmart have calls available in my state?
Campaigns on Callmart are national rather than sold by state. The campaigns and coverage available to your organization are shown in your approved workspace. These state pages are operational guidance for running a desk, not an inventory listing.
02Why does recording consent matter so much?
Because it changes at state lines and it applies to the call you are on, not to where your office is. If you take calls from multiple states, the conservative approach is to announce recording on every call and confirm your specific obligations with counsel.