eHealth Inc
NASDAQ:EHTH
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eHealth Inc
NASDAQ:EHTH
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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.
Performance: Revenue grew 4% in fiscal 2025 and GAAP net income increased almost 4x versus 2024, with adjusted EBITDA up 40% for the year.
AEP execution: Strong annual enrollment period performance drove increased Medicare LTVs, improved retention and record commissions receivable ($1.1 billion).
Strategy shift: Management is intentionally pulling back lower-margin third-party channels and reallocating spend toward direct branded channels and a lifetime advisory model to improve margins and LTV.
Cost actions: Announced roughly $30 million of fixed cost savings and over $60 million of variable spend reductions for 2026, targeting ~ $90 million+ total spend reduction.
2026 guidance: Total revenue $405M–$445M; GAAP net income $8M–$25M; adjusted EBITDA $55M–$75M; operating cash flow (−$10M)–$12M. Goal to reach operating cash flow breakeven in 2026 and positive operating cash flow in 2027.
Product diversification: Rapid HIP growth (Q4 approved applications surged >400% YoY); plan to broaden ancillaries (critical illness, final expense) and expand ICHRA SaaS/partner offerings.
Market view: Management expects the Medicare Advantage market to remain in a reset in 2026 (commission suppression, plan eliminations, carrier exits) and views 2026 as a bridge year before growth resumes in 2027.
