Medicare open enrollment video for insurance agents, with AI

Medicare open enrollment runs from October 15 to December 7, so an insurance agent who wants to be the familiar face in a client's feed has about ten weeks to publish. The practical way to do it with AI is a short series, not one long video: one avatar-presented clip per question clients actually ask, each 4 to 60 seconds, captioned, and cut together into a single recap with Timeline. Sume produces the video; you supply the script, and you are responsible for every statement in it being accurate for your carriers and your state.

The dates and the list of things a person can change come from Medicare.gov's page on joining a plan, read on 2026-10-03. Sume's side comes from the avatar video and Timeline docs.

What the official page gives you to build on

Keep the scripts close to the plain facts the government page states, and point viewers to it for details. Anything about specific plans, premiums or benefits belongs to your carriers' approved materials, not to a generated script.

A four-video series, one question each

Each clip answers one question in one breath. That keeps scripts short enough for a single avatar job and makes each clip reusable as an email embed, a reply to a client, or a social post.

• Clip 1, the dates: open, close, and the January 1 start.
• Clip 2, what you can change: three plain examples taken from the official list.
• Clip 3, what to bring to a review call: your current plan card, your medicine list, your doctors. No plan details.
• Clip 4, how to book: your phone number or booking link as burned-in text.

Render one clip

Create an avatar once from a photo of yourself, or from a prompt for a branded presenter, then send each script to the talking-video route. The default aspect ratio is 9:16 and the default quality is plus; scripts must land between 4 and 60 seconds, and inline captions burn into the final MP4.

curl -X POST https://api.sume.com/v1/avatar-1.0/talking-video \
  -H "Authorization: Bearer $SUME_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: medicare-oe-clip-1" \
  -d '{
    "avatar_handle": "my_presenter",
    "aspect_ratio": "9:16",
    "quality": "plus",
    "script": "Medicare open enrollment runs October 15 to December 7. This is the window to review your plan. Check what your current plan covers, compare it with what is offered for next year, and ask your agent if you have questions. Changes you make by December 7 start January 1.",
    "captions": {
      "enabled": true,
      "style": "slam",
      "language": "auto"
    }
  }'

Assemble the recap and keep it honest

Once the four clips exist, Timeline joins them into one MP4 with an audio spine, up to 200 video slots and fade or wipe transitions of up to one second. Run the unbilled plan call first to see duration and cost before you render.

Limits you should plan around: Sume does not know any carrier's plans, rates or marketing rules, and it does not review compliance. A generated script can sound confident and be wrong, so have a licensed person read every line, and add the disclosures your carriers require as caption text. Only use an avatar built from your own photo, or from a person who agreed in writing.