eHealth, Inc. (NASDAQ:EHTH) Q3 2023 Results Conference Call November 8, 2023 5:00 PM ET Company Participants Eli Newbrun-Mintz - IR Manager Fran Soistman - CEO John Stelben - CFO Conference Call Participants George Sutton - Craig-Hallum George Hill - Deutsche Bank Michael Murray - RBC Capital Markets Operator Good afternoon, everyone and welcome to eHealth, Inc.'s Conference Call to discuss the Company's Third Quarter 2023 Financial Results. At this time, all participants have been placed in a listen-only m ...

FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-33071 _____________________________________________ EHEALTH, INC. UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 (Exact name of registrant as specified in its charter) _____________ ...

Q2 2023 Financial Results Conference Call Slides eHealth® 2023 Copyright eHealth Insurance. Safe Harbor Statement Forward-Looking Statements This presentation includes forward-looking statements within the meaning of the federal securities laws. Forward-looking statements generally relate to future events or our future financial or operating performance. Forward-looking statements in this presentation include, but are not limited to, the following: our estimates regarding Medicare enrollment growth; our est ...

eHealth, Inc. (NASDAQ:EHTH) Q2 2023 Earnings Conference Call August 8, 2023 8:30 AM ET Company Participants Eli Newbrun-Mintz – Senior Investor Relations Manager Fran Soistman – Chief Executive Officer John Stelben – Chief Financial Officer Conference Call Participants George Sutton – Craig-Hallum Jonathan Yong – Credit Suisse Daniel Grosslight – Citi George Hill – Deutsche Bank Operator Good day ladies and gentlemen and welcome to eHealth, Inc.’s Q2 2023 Earnings Conference Call. At this time, all particip ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-33071 _____________________________________________ EHEALTH, INC. (Exact name of registrant as specified in its charter) __________________ ...

eHealth, Inc. (NASDAQ:EHTH) Q1 2023 Earnings Conference Call May 9, 2023 8:30 AM ET Company Participants Eli Newbrun-Mintz - Senior Investor Relations Manager Fran Soistman - CEO John Stelben - CFO Conference Call Participants George Sutton - Craig-Hallum Operator Good morning, everyone, and welcome to eHealth, Inc.’s Conference Call to discuss the company's First Quarter 2023 Financial Results. At this time, all participants have been placed in a listen-only mode. The floor will be open for your questions ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-33071 _____________________________________________ EHEALTH, INC. (Exact name of registrant as specified in its charter) _________________ ...

Financial Data and Key Metrics Changes - Fourth quarter revenue was $196.3 million, down 19% year-over-year, reflecting an intentional decision to focus on profitable growth [17][72] - Fourth quarter GAAP net income was $20.7 million compared to a net loss of $32.2 million in Q4 a year ago [58] - Adjusted EBITDA for the fourth quarter increased by 76% year-over-year to $49.5 million from $28.2 million [40][72] - Full year 2022 GAAP net loss was $88.7 million, with adjusted EBITDA of negative $41.7 million [58] Business Line Data and Key Metrics Changes - Medicare segment revenue for Q4 was $180.4 million, down 22% year-over-year, while segment profit increased by 56% to $53.2 million [55] - Fourth quarter Medicare Advantage lifetime values (LTV) grew 2% year-over-year, while total variable acquisition costs per approved member declined by 18% [54][71] - Individual, family, and small business (IFP) segment revenue was $15.9 million, an increase of 23% year-over-year, driven by tail revenue [112] Market Data and Key Metrics Changes - Estimated Medicare Advantage paying membership at year-end was approximately 646,000 lives, up 2% from 2021 [56] - Total estimated Medicare membership, including Med Sup and prescription drug plans, was 976,000 lives, also up 2% year-over-year [56] Company Strategy and Development Direction - The company aims to diversify revenue streams beyond Medicare Advantage, focusing on sustainable profitability and improved liquidity [4][44] - Strategic initiatives include enhancing consumer experience, improving conversion rates, and expanding dedicated carrier arrangements [76][80] - The company plans to hold its first Investor Day since 2019 to discuss long-term strategic and financial goals [16] Management's Comments on Operating Environment and Future Outlook - Management noted a shift in the industry towards prioritizing sustainable profitability over growth at all costs, indicating a potential inflection point in the Medicare distribution market [14] - The company expects to achieve approximately 6% revenue growth in 2023, with significant improvements in profitability driven by cost reduction programs [18][92] - Management expressed confidence in maintaining sufficient liquidity to execute 2023 operating plans [62] Other Important Information - The company implemented a cost reduction program in April 2022, which resulted in a significant reduction in operating expenses [57][113] - The cash benefit from investments made to resume enrollment growth will not be felt until Q1 of 2024, with expectations of breakeven on an operating cash flow basis by March 31, 2024 [7] Q&A Session Summary Question: What is the approach to retaining agents outside the busy AEP and OEP season? - Management emphasized a more prudent approach to variable costs for marketing activities while maintaining agent productivity through improved lead quality [100][124] Question: How does the company view the diversification of revenue streams with dedicated carrier segments? - Management clarified that dedicated carrier arrangements will not compete with traditional Medicare Advantage business and will enhance the company's role as a neutral distribution channel [104][105] Question: What are the expectations regarding cash flow and potential capital raises? - Management indicated confidence in cash flow projections and the sufficiency of liquidity to meet operational needs without immediate capital raises [106][122]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____ to ____ Commission file number: 001-33071 _____________________________________________ EHEALTH, INC. (Exact name of registrant as specified in its charter) Delaware 56- ...

eHealth, Inc. (NASDAQ:EHTH) Q3 2022 Earnings Conference Call November 7, 2022 5:00 PM ET Company Participants Eli Newbrun-Mintz - Senior Investor Relations Manager Fran Soistman - Chief Executive Officer Christine Janofsky - Chief Financial Officer Conference Call Participants Tobey Sommer - Truist Securities George Hill - Deutsche Bank Ben Hendrix - RBC Capital Markets Daniel Grosslight - Citi Operator Good afternoon, everyone, and welcome to the eHealth, Inc. conference call to discuss the company's Third ...