Group 1 - eHealth, Inc. plans to release its fourth quarter and fiscal year 2024 financial results on February 26, 2025 [1] - An earnings conference call will be held on the same day at 8:30 a.m. Eastern Time, hosted by CEO Fran Soistman and CFO John Dolan [2] - A live webcast of the earnings call will be available on the Investor Relations page of the company's website, with a replay accessible for one year [3] Group 2 - eHealth has been operating for over 25 years, assisting millions of Americans in finding affordable healthcare coverage [4] - The company is an independent licensed insurance agency, providing access to over 180 health insurers, including both national and regional companies [4] - For further information, eHealth encourages visits to their website and social media platforms [4]

Core Insights - eHealth, Inc. has launched Iris by eHealth, an Individual Coverage Health Reimbursement Account (ICHRA) solution aimed at helping employers manage healthcare costs while providing employees with personalized health plan options [1][2] Group 1: Cost Savings and Flexibility - Employers can potentially save an average of 17% on healthcare costs by utilizing ICHRA, allowing employees to select health plans that meet their unique needs [2][4] - The ICHRA model addresses the healthcare needs of diverse workforces, including geographically dispersed, seasonal, and mixed part-time and full-time employees [2] Group 2: User Experience and Support - Employers have reported satisfaction with the cost savings and the increased plan options available to employees through the individual market [3] - eHealth provides comprehensive support, including no plan markups or hidden fees, and offers a free annual review of plan options [3][7] Group 3: Functionality of Iris Platform - The Iris platform allows employers to set a flat monthly contribution towards each employee's health coverage, while employees can choose plans from various top insurance companies [7] - Employees can customize their plan selections by adding preferred doctors and prescriptions, ensuring their choices align with personal healthcare needs [7]

Group 1 - eHealth, Inc. (NASDAQ: EHTH) stock is experiencing significant gains, indicating potential for further upside in the small-cap sector [1] - The company operates as an online private health insurance marketplace, which has faced challenges in the current market environment [1]

Core Insights - eHealth, Inc. reported strong performance during the Annual Enrollment Period (AEP), driven by significant changes in Medicare Advantage and Part D plan offerings, leading to increased demand for its services [2][3] - The company has revised its fiscal year 2024 guidance, indicating improved revenue and adjusted EBITDA expectations compared to previous estimates [5][6] AEP Performance Highlights - eHealth experienced strong year-over-year growth in submitted Medicare applications, particularly in direct marketing channels [4] - The company achieved an all-time high in AEP submitted application volume in the online unassisted category [4] - Telephonic and online conversion rates exceeded expectations, showing meaningful year-over-year improvement [4] - The LTV-to-CAC ratio improved in the Medicare business, indicating better customer acquisition efficiency [4] - A new comprehensive member retention program successfully encouraged consumers to return to the eHealth platform for coverage reviews and healthcare plan shopping [4] Updated Financial Guidance - Total revenue for fiscal year 2024 is now expected to be between $500 million and $520 million, up from the previous range of $470 million to $495 million [6] - GAAP net income (loss) is projected to range from $(12 million) to $3 million, an improvement from the prior range of $(36.5 million) to $(22 million) [6] - Adjusted EBITDA is expected to be between $40 million and $55 million, significantly higher than the previous range of $7.5 million to $25 million [6] - The updated guidance includes anticipated positive net adjustment revenue of $14 million to $20 million [7] - Operating cash flow is expected to range from $(15 million) to $(5 million), reflecting increased investment in profitable Medicare enrollment growth [7] Management Commentary - The CEO emphasized the company's successful transformation initiatives and AEP preparedness, which contributed to strong consumer demand and enrollment growth [2][3] - The CFO highlighted that the mid-point of the updated guidance suggests substantial margin expansion and attractive cash ROI from the AEP cohort [8]

Core Insights - The average premium for Medicare Part D drug plans has increased by 17% compared to the previous year during the first half of Medicare's Annual Enrollment Period [1] - A significant majority of Medicare beneficiaries express confidence in the future sustainability of Medicare following the presidential election, with 64% feeling more assured [2] - Beneficiaries' top priorities for the incoming administration include lowering drug costs, reducing out-of-pocket expenses, and strengthening Medicare Advantage [2] Enrollment Trends - 79% of Medicare Advantage and Medicare Part D plan enrollees report changes in costs or benefits under their current plans [3] - 88% of beneficiaries have started reviewing their coverage options, with 63% indicating they will enroll in a new Medicare plan for 2025 [3] - 87% of beneficiaries feel more confident in selecting a Medicare plan when assisted by a licensed health insurance agent [3] Research Methodology - The report is based on an analysis of tens of thousands of Medicare plans selected through eHealth from October 15 to November 8, 2024 [4] - Survey findings are derived from a poll of Medicare beneficiaries conducted by a third-party vendor [4]

eHealth, Inc.’s (EHTH) shares lost 6.1% since it reported third-quarter results on Nov. 6, 2024. The quarterly results were hurt by lower commissions and other revenues. However, lower expenses and growth in Medicare application volume across agency and carrier-dedicated platforms partially offset the negatives.EHTH incurred a third-quarter 2024 adjusted loss of $1.86 per share, wider than the Zacks Consensus Estimate of a loss of $1.13 per share and the prior-year quarter’s loss of $1.54 per share. Revenue ...

Core Insights - eHealth, Inc. has been awarded the 2024 Silver Healthcare Marketing Impact Award for its innovative marketing campaign targeting Medicare beneficiaries [1][2] - The campaign emphasizes transparency and consumer empowerment, showcasing real beneficiaries using eHealth's services to compare Medicare plans [3][4] Company Overview - eHealth operates as a leading online private health insurance marketplace, providing access to over 180 health insurers [4] - The company has been in operation for over 25 years, helping millions of Americans find affordable healthcare coverage [4] Marketing Strategy - The rebranding initiative, developed with Shinebox, focuses on real-life testimonials from beneficiaries in unscripted advertisements [3] - The campaign aims to shift the industry narrative from fear-based marketing to a customer-centric approach, enhancing brand awareness and reducing acquisition costs [4]

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 September 30, 2024 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 - Third quarter revenue excluding net adjustment revenue was $57.2 million, a 9% year-over-year increase driven primarily by strong Medicare enrollments [44] - Including tail revenue, third quarter revenue was $58.4 million, reflecting a 10% decrease year-over-year [45] - Adjusted EBITDA excluding tail revenue was negative $36 million, an improvement of $4.3 million compared to Q3 a year ago [57] Business Line Data and Key Metrics Changes - Medicare segment revenue excluding tail revenue grew 13% year-over-year, while including tail revenue, it generated $53.2 million compared to $55.5 million in Q3 of 2023 [45] - Medicare Advantage submissions grew 26%, while Medicare supplement submitted applications grew 5% year-over-year [50] - Total acquisition costs per approved Medicare member improved 16% year-over-year [51] Market Data and Key Metrics Changes - The company experienced a 22% increase in total Medicare submitted applications, including Med Supp and prescription drug plans [35] - The Medicare supplement market is expected to gain greater adoption in areas where carriers have scaled back their MA benefits [36] Company Strategy and Development Direction - The company is focused on enhancing its capital structure and unlocking shareholder value while preparing for the annual enrollment period (AEP) [83] - A rebranding strategy and integrated marketing campaign titled "Your Medicare Matchmaker" were launched to improve customer engagement [17] - The company is diversifying its offerings by introducing a dedicated Medicare supplement sales team and expanding its carrier partnerships [38] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the company's ability to sustain momentum through the end of the year and into 2025, emphasizing a focus on achieving a successful AEP [82] - The company is well-positioned to take market share in an industry with decreasing competitive capacity, driven by a strong pipeline of appointments for new and existing members [16] Other Important Information - The company achieved HITRUST Certification, enhancing its credibility with carrier partners [32] - The company ended the quarter with $117.8 million in cash and cash equivalents, down from $160.6 million at the end of Q3 2023 [59] Q&A Session Summary Question: Can you quantify the larger pipeline early in the AEP and your ability to convert demand? - Management noted that the pipeline was significantly larger than last year due to proactive outreach efforts targeting beneficiaries affected by plan withdrawals and service area reductions [65][66] Question: How are advertising changes impacting the AEP? - Management indicated that political advertising did not hinder their messaging, and all channels are performing above expectations, leading to lower costs and higher conversion rates [70][73] Question: What is the outlook for tail revenues? - Management expressed confidence in the recent changes made to tail revenue constraints, indicating that they chose a conservative approach and have seen positive tail adjustments historically [76][78]

EHealth (EHTH) came out with a quarterly loss of $1.86 per share versus the Zacks Consensus Estimate of a loss of $1.13. This compares to loss of $1.54 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -64.60%. A quarter ago, it was expected that this provider of internet-based heath insurance agency services would post a loss of $0.71 per share when it actually produced a loss of $1.09, delivering a surprise of -53.52%.Over the ...