Can I pay for extra capacity only during open enrollment instead of committing year-round?

For Insurance Agents

Yes, and because billing is month-to-month with no long-term contract, you are never locked into a volume commitment that only makes sense for a six to twelve week window. The typical approach agencies take is running Premium at $99/month with 150 included calls for most of the year, then either letting the flat $1/call overage absorb the AEP or ACA open enrollment spike (which is often cheaper than upgrading if the spike is short and moderate), or temporarily moving to an Enterprise quote with custom call volume sized specifically for the enrollment window if your agency's volume during that period is large enough that overage charges would exceed a custom Enterprise rate. Because there is no annual contract, you can step down again once enrollment season ends without any cancellation penalty or notice period beyond your normal monthly billing cycle. The practical way to decide which route makes sense is to look at last year's open enrollment call volume specifically (most agency management systems report call logs by date range), calculate what the overage would cost on Premium at $1/call, and compare that total against an Enterprise quote for that same volume. For many single-location agencies, the overage route on Premium ends up cheaper than upgrading tiers, since Enterprise is priced for sustained high volume rather than a short seasonal spike. For agencies with heavier Medicare or group benefits books where enrollment season volume triples or quadruples for two straight months, getting an Enterprise quote specifically for that window is worth comparing before the season starts, not after you are already fielding the surge.