Company Overview - eHealth Inc (EHTH) operates as an online health insurance marketplace, providing access to over 180 insurers, and has been a leader in digital health insurance access for over two decades [1] Research Approach - Avalon Capital Research aims to deliver independent and actionable research on U.S.-listed companies, focusing on clarity in earnings events, corporate strategy shifts, and sector trends [1] - The company emphasizes the importance of high-quality analysis that is accessible to both professional and retail investors, avoiding jargon and bias [1] Commitment to Investors - Avalon Capital Research is dedicated to providing trustworthy insights grounded in data, which is essential for successful investing [1]

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eHealth (EHTH) came out with a quarterly loss of $1.32 per share versus the Zacks Consensus Estimate of a loss of $0.93. This compares to a loss of $1.86 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -41.94%. A quarter ago, it was expected that this provider of internet-based heath insurance agency services would post a loss of $0.87 per share when it actually produced a loss of $0.98, delivering a surprise of -12.64%.Over t ...

eHealth (NasdaqGS:EHTH) Q3 2025 Earnings Call November 05, 2025 05:00 PM ET Speaker1Good afternoon, everyone, and welcome to the eHealth Inc. conference call to discuss the company's third quarter 2025 financial results. At this time, all participants have been placed in listen-only mode. The floor will open for questions following the prepared marks. I will now turn the floor over to Mr. Eli Newbrun-Mintz, Senior Investor Relations Manager. Please go ahead.Speaker7Good afternoon, and thank you all for join ...

☐ 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) _____________________________________________ 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 pe ...

Q3 2025 Financial Results ©2025 eHealthInsurance Services, Inc. 1 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 expectations regarding our business, industry, regulatory and market trends, incl ...

eHealth, Inc. Announces Third Quarter 2025 Results Raises 2025 annual earnings guidance to reflect strong YTD performance Comments on strong start to the Annual Enrollment Period Completed extension of term loan maturity providing additional financial flexibility AUSTIN, Texas — November 5, 2025 — eHealth, Inc. (Nasdaq: EHTH), a leading private online health insurance marketplace, today announced its financial results for the third quarter ended September 30, 2025. CEO Comments "As a new CEO, my immediate p ...

Core Insights - eHealth, Inc. announced its financial results for the third quarter ended September 30, 2025, highlighting its position as a leading private online health insurance marketplace [1][5]. Financial Results - The earnings press release and presentation are available on the eHealth Investor Relations website, indicating transparency and accessibility for investors [1][2]. Company Overview - eHealth has been operational for over 25 years, assisting millions of Americans in finding affordable healthcare coverage through access to over 180 health insurers [3]. - The company operates as an independent licensed insurance agency and advisor, emphasizing its role as a matchmaker in the health insurance market [3]. Investor Relations - A conference call regarding the third quarter results is scheduled for November 5, 2025, at 5:00 p.m. Eastern Time, providing an opportunity for stakeholders to engage directly with the company's leadership [2][5]. - The contact for investor relations is Kate Sidorovich, Senior Vice President, indicating a structured approach to investor communication [4].

eHealth Conference Call Summary Company Overview - **Company**: eHealth (NasdaqGS:EHTH) - **Industry**: Health Insurance Marketplace - **CEO Background**: New CEO with extensive experience in life and health space, previously at Magellan Health and HealthMarkets [2][3] Key Points Company Mission and Differentiation - eHealth is a leading direct-to-consumer health insurance marketplace focused on guiding consumers through health plan selection [3] - Differentiation is based on: - Omni-channel capabilities combining online enrollment with licensed advisor support [4] - Brand-driven demand generation, moving away from third-party lead generation [4] - Strong commission receivable asset with a history of positive adjustments [4] Market Dynamics - Over 10,000 individuals age into Medicare daily, with a growing preference for Medicare Advantage plans [5] - Significant opportunity in the under 65 market through Individual Coverage Health Reimbursement Arrangements (ICRA), projected to grow at a 60% CAGR [6] - eHealth has relationships with approximately 180 carriers, enhancing its competitive position [7] Brand Strategy - Launched branded marketing in 2023, resulting in 80% of Medicare applications coming through eHealth branded channels in Q4 2024 [8] - Brand recognition is expected to drive higher retention and profitability [9] Financial Performance - Achieved $111 million in cumulative EBITDA improvement and $99 million in operating GAAP net income over three years [11] - 2024 guidance anticipates approximately 3% revenue growth and flat profitability year-over-year [11] - Long-term targets include 8-10% revenue CAGR and 8-10% EBITDA margin by 2026, with current margins at approximately 14% [12] Competitive Landscape - eHealth is positioned to capture market share as competitors exit the market due to recent disruptions [15] - Regulatory headwinds are easing, with favorable Medicare Advantage rates expected for 2026 [15] Cash Flow and Liquidity - Positive cash flow generation anticipated due to increased CMS rates and brand strategy [19][20] - Ample liquidity with over $100 million in cash and minimal debt, with a term loan extended to Q1 2027 [34][35] Growth Drivers - Continued scaling of Medicare Advantage business and diversification into ancillary products [21] - Focus on reducing seasonality through year-round products and flexible telesales structures [31] Technology and Consumer Experience - Investment in technology, including AI-powered voice agents, enhances customer experience and reduces costs [10] - High adoption of online unassisted enrollments, with enrollment margins improving from 31% to 50% year-over-year [26] Future Outlook - Anticipation of another dynamic open enrollment period with potential for significant market share gains [16] - Ongoing efforts to enhance capital structure and monetize receivables without diluting common shareholders [35] Additional Insights - eHealth's omni-channel approach allows for scalability and improved customer experience, setting it apart from competitors constrained by agent headcount [25] - The company is focused on building trusted relationships with consumers to unlock further opportunities in healthcare services and products [22][33]

Core Viewpoint - eHealth, Inc. has amended its term loan credit agreement, extending the maturity date to January 29, 2027, while keeping other key terms unchanged, which enhances its financial flexibility and supports its capital structure initiatives [1][2]. Group 1: Financial Flexibility and Capital Structure - The extension of the term loan maturity provides eHealth with additional financial flexibility to strengthen its capital structure and execute strategic initiatives for long-term success [2][3]. - eHealth's capital strategy focuses on three primary objectives, recognizing that building a best-in-class capital structure may require multiple phases [2]. Group 2: Management Commitment - The management team, along with the Board and external advisors, is committed to evaluating all available options to optimize the capital structure and maximize shareholder value [3].