Can I call, text, or email someone who filled out a form on my website?
Yes. If the person completed a form (like a business reply card or web form) requesting contact, that outreach isn't considered "unsolicited," so the cold-call/text prohibition doesn't apply. Email is separately allowed as unsolicited direct contact as long as an opt-out is included.
What the rule says
“Calls are not considered unsolicited if the beneficiary provides consent or initiates contact with the plan.”
“For example, returning phone calls or calling an individual who has completed a business reply card requesting contact is not considered unsolicited.”
This is a list of prohibited unsolicited acts, from which calling/texting solicited individuals is excluded:
“Use telephone solicitation (that is, cold calling), robocalls, text messages, or voicemail messages, including, but not limited to, the following:”
For email specifically, even unsolicited contact is permitted:
“MA organizations may make unsolicited direct contact by conventional mail and other print media (for example, advertisements and direct mail) or email (provided every email contains an opt-out option).”
The excerpts name a "business reply card" as an example of a beneficiary-initiated request; they do not specifically address a website form, so I can't confirm whether CMS treats a web form identically, though the same consent/initiation principle in § 2264(a)(3) applies to the contact method (call/text) itself.
Carrier and FMO rules are often stricter than CMS rules. This tool reports what CMS sources say and is not legal advice. Enrollment guidance shown is the CY 2027 version. Regulation text reflects the CY 2027 marketing rules, which apply to marketing beginning October 1, 2026.
This answer was generated by mapdbot from the sources listed below on September 23, 2026 and checked against them. Regulation text: eCFR as of 09/15/2026. It is for licensed insurance agents, is not legal advice, and does not cover carrier or FMO rules.