eHealth Inc
NASDAQ:EHTH
eHealth Inc
eHealth, Inc. engages in the provision of Internet-based health insurance agency services for individuals, families, and small businesses. The company is headquartered in Santa Clara, California and currently employs 2,379 full-time employees. The company went IPO on 2006-10-13. The Company’s omnichannel consumer engagement platform enables consumers to use online services, through interactive chat, or by telephone with a licensed insurance agent. The company has created a marketplace that offers consumers a broad choice of insurance products that includes thousands of Medicare Advantage, Medicare Supplement, Medicare Part D prescription drug, individual and family, small business and other ancillary health insurance products. The firm operates two segments Medicare, and Individual, Family and Small Business. Its ecommerce platforms and consumer engagement solutions are built to provide information, decision support and transactional services to health insurance consumers. Its websites include www.eHealthMedicare.com, www.Medicare.com, and www.PlanPrescriber.com.
eHealth, Inc. engages in the provision of Internet-based health insurance agency services for individuals, families, and small businesses. The company is headquartered in Santa Clara, California and currently employs 2,379 full-time employees. The company went IPO on 2006-10-13. The Company’s omnichannel consumer engagement platform enables consumers to use online services, through interactive chat, or by telephone with a licensed insurance agent. The company has created a marketplace that offers consumers a broad choice of insurance products that includes thousands of Medicare Advantage, Medicare Supplement, Medicare Part D prescription drug, individual and family, small business and other ancillary health insurance products. The firm operates two segments Medicare, and Individual, Family and Small Business. Its ecommerce platforms and consumer engagement solutions are built to provide information, decision support and transactional services to health insurance consumers. Its websites include www.eHealthMedicare.com, www.Medicare.com, and www.PlanPrescriber.com.
Revenue: Q3 revenue was $53.9 million, down 8% year-over-year, and in line with internal expectations.
Profitability: Q3 GAAP net loss improved to $31.7 million from $42.5 million last year, exceeding internal profitability expectations.
Guidance Raised: Management raised 2025 GAAP net income guidance to $9–30 million (from $5–26 million), and adjusted EBITDA guidance to $60–80 million (from $55–75 million).
AEP Execution: Early results in the annual enrollment period (AEP) are tracking in line with internal expectations, with strong demand and improved marketing efficiency.
Commission Rates: The company is seeing a solid year-over-year increase in commission rates, with mid-single-digit percentage increases expected during AEP.
Retention Focus: Retention initiatives and brand investment are driving improved member retention compared to prior years.
Tail Revenue: Q3 recognized $12.1 million in positive net adjustment (tail) revenue, with 2025 guidance for tail revenue raised to $40–43 million (from $29–32 million).
