UNITED STATES SECURITIES AND EXCHANGE COMMISSION For the fiscal year ended December 31, 2023 WASHINGTON, DC 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 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: 001-39390 GoHealth, Inc. (Exact name of registrant as specified in its charter) _________________________ Delaware 85-0563805 (State or ot ...

"As we reflect on our achievements this past year, our consumer-centric focus shifted from enrollment to engagement, with trust at its core. Our innovative PlanFit CheckUp program is a prime example of our commitment to the consumer and a driver of our 2023 results. By prioritizing the real needs of Medicare consumers, we continue to enhance consumer trust and set a new standard for industry practices, said Vijay Kotte, CEO of GoHealth. "Our approach underscores our mission to transform the consumer healthc ...

For the transition period from to UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 Commission File Number: 001-39390 GoHealth, Inc. (Exact name of registrant as specified in its charter) _________________________ Delaware 85-0563805 (St ...

Additional non-GAAP financial measures, including net revenue excluding the Lookback Adjustments, Adjusted EBITDA excluding the Lookback Adjustments, net revenue excluding both the Non-Encompass BPO services revenue and the Lookback Adjustments and Adjusted EBITDA excluding both the Non-Encompass BPO services gross margin and the Lookback Adjustments, are also included in this Press Release. The Lookback Adjustments are revenue adjustments that represent changes in estimates relating to performance obligati ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 214 West Huron St. Chicago, Illinois 60654 (Address of principal executive offices) (Zip Code) (312) 386-8200 (Registrant's telephone number, including area code) 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 fro ...

GoHealth, Inc. (NASDAQ:GOCO) Q2 2023 Earnings Conference Call August 10, 2023 8:00 AM ET Company Participants John Shave - VP, IR Vijay Kotte - CEO Jason Schulz - CFO Conference Call Participants Ben Hendrix - RBC Capital Markets Operator Good day and thank you for standing by. Welcome to the GoHealth Second Quarter 2023 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions]. P ...

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ 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 Commission File Number: 001-39390 GoHealth, Inc. (Exact name of registrant as specified in its charter) _________________________ Delaware 85-0563805 (State ...

GoHealth, Inc. (NASDAQ:GOCO) Q1 2023 Earnings Conference Call May 8, 2023 8:00 AM ET Company Participants John Shave - VP of IR Vijay Kotte - CEO Jason Schulz - CFO Conference Call Participants Mike Cherny - Bank of America Jonathan Yong - Credit Suisse Ben Hendrix - RBC Capital Markets Operator Good morning, and welcome to the GoHealth First Quarter 2023 Earnings Conference Call. My name is Michelle, and I will be your operator for today's call. At this time, all participants are in a listen-only mode. Fol ...

FORWARD-LOOKING STATEMENTS 2 In these slides, we use supplemental measures of our performance that are derived from our consolidated financial information, but which are not presented in our Consolidated Financial Statements prepared in accordance with Generally Accepted Accounting Principles (GAAP). These non-GAAP financial measures include net income (loss) before interest expense, income tax expense (benefit) and depreciation and amortization expense, or EBITDA, Adjusted EBITDA and Adjusted EBITDA margin ...

Medicare Market Growth - The current commissionable market for health insurance is nearly $30 billion, with over 10,000 Americans turning 65 every day, indicating a strong growth opportunity in the Medicare space[27]. - Medicare enrollment is projected to grow from approximately 63 million individuals in 2021 to about 93 million by 2060, representing a significant increase in the addressable market[41]. - In 2022, 48% of Medicare beneficiaries, approximately 28.4 million people, were enrolled in Medicare Advantage plans, an increase of about 2.2 million from 2021[42]. Revenue Sources and Partnerships - The Medicare—Internal segment is the largest revenue contributor, with a focus on multi-health plan partner channels and qualified prospect placements[36]. - Health plans owned by Humana, Elevance, United, and Centene accounted for approximately 26%, 23%, 18%, and 11% of net revenues respectively for the twelve months ended December 31, 2022[49]. - GoHealth relies on a small group of health plan partners for revenue, with Humana, Elevance, United, and Centene accounting for approximately 26%, 23%, 18%, and 11% of net revenues for the twelve months ended December 31, 2022[113]. Technology and Consumer Engagement - The company has invested significantly in technology and data science to enhance consumer engagement and improve the efficiency of the health insurance enrollment process[28]. - The proprietary LeadScore technology predicts the lifetime value and conversion probability of consumer leads, optimizing the routing of leads in real-time[36]. - GoHealth utilizes a proprietary LeadScore technology that predicts the expected lifetime value (LTV) of incoming consumer leads based on historical data, optimizing the sales process[52]. - The company has developed a SPLICE system for contact queuing, prioritizing outreach to valuable consumer leads based on LTV and agent capacity, resulting in minimal wait times for consumers[52]. - GoHealth's Marketplace technology allows agents to compare health plans available to consumers in their geography, enhancing the decision-making process for consumers[54]. - The company employs a data-driven, omnichannel marketing strategy, including offline media (TV and radio) and digital media (paid search and social media), to drive consumer engagement[57]. Compliance and Regulatory Challenges - The company is subject to extensive regulations, including compliance with the Telephone Consumer Protection Act (TCPA) and various state and federal privacy laws, impacting its marketing and operational strategies[57][65]. - The company faces risks related to compliance with complex and frequently changing laws and regulations governing Medicare plans[76]. - Regulatory changes could limit the compensation received from health plan partners, adversely affecting GoHealth's financial results[118]. - The company must maintain valid licenses in all 50 states, which imposes significant operational costs and complexity[139]. - The company is subject to numerous privacy and data protection laws, which may impose restrictions on processing personal information and could lead to enforcement actions if not complied with[150]. Financial Performance and Risks - The company has identified a material weakness in internal controls over financial reporting, which could lead to errors in financial statements[101]. - The company’s revenue growth is highly dependent on attracting new beneficiaries during the Medicare annual enrollment period[98]. - The company’s commission rates from health plan partners can be altered with short notice, impacting revenue stability[99]. - The company faces significant upfront expenses for customer enrollment, which impacts cash flow as commissions are received over time[145]. - The company may not be able to generate sufficient cash flow from operations to repay its indebtedness when it becomes due[192]. Workforce and Employee Dynamics - As of December 31, 2022, the company employed 2,467 employees, with 2,363 in the United States and 104 in Slovakia[69]. - Approximately 52% of the global workforce and 42% of managerial roles identified as female as of December 31, 2022[71]. - The company faces challenges in attracting and retaining qualified employees due to a competitive labor market, which may require offering higher compensation[112]. Market Competition and Strategy - The competitive landscape for health insurance plans is intensifying, with pressure from both existing and new competitors potentially harming the company's business and financial condition[129]. - The company competes with government-run health insurance exchanges, which could increase marketing costs and reduce revenue[132]. - Increased competition for referrals from third-party lead referral companies could harm the company's business and financial condition if competitors pay higher fees[149]. Internal Controls and Governance - The company expects to incur costs related to implementing an internal audit and compliance function in the upcoming years to improve its internal control environment[223]. - The company is required to document and test its internal control over financial reporting under Section 404 of the Sarbanes-Oxley Act, which may require significant changes to its internal controls[222]. - The company qualifies as a "controlled company" under Nasdaq rules, relying on exemptions from certain corporate governance requirements[208].