eHealth Inc
NASDAQ:EHTH

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eHealth Inc
NASDAQ:EHTH
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Price: 2.86 USD -1.04%
Market Cap: $88m

eHealth Inc
Investor Relations

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.

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Last Earnings Call
Fiscal Period
Q3 2025
Call Date
Nov 5, 2025
AI Summary
Q3 2025

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).

Key Financials
Revenue
$53.9 million
Net Loss
$31.7 million
Adjusted EBITDA
loss of $34 million
Medicare Segment Revenue
$49.9 million
Medicare Segment Tail Revenue
$12.1 million
Medicare Segment Loss
$1.2 million
Medicare Applications
declined 26%
MA-related Marketing Spend
down 25%
Customer Care and Enrollment Expense
down 6%
Operating Cash Flow
negative $25.3 million
Cash and Equivalents
$75.3 million
Commission Receivable Balance
$907.7 million
Employer and Individual Segment Revenue
$3.9 million
Employer and Individual Segment Gross Profit
$1 million
Total Operating Expenses
down 6%
Technology and Content Expense
down 4%
General and Administrative Expense
up 8%
Member Retention Outbound Calls
increased by approximately 20%
MedSupp Agency Enrollments
grew 10% year-over-year
Hospital Indemnity Plan (HIP) Enrollments
more than doubled
GAAP Net Income Guidance (2025)
$9–30 million
Adjusted EBITDA Guidance (2025)
$60–80 million
Tail Revenue Guidance (2025)
$40–43 million
Earnings Call Recording
Other Earnings Calls

Management

Mr. Francis Samuel Soistman Jr.
CEO & Director
No Bio Available
Mr. Gavin Guy Galimi
Senior VP, General Counsel & Corporate Secretary
No Bio Available
Mr. John Joseph Stelben CPA
Advisor
No Bio Available
Mr. John Joseph Dolan
Chief Accounting Officer
No Bio Available
Ms. Kate Sidorovich CFA
Senior Vice President of Investor Relations & Strategy
No Bio Available
Ms. Lara Sasken
Senior VP & Chief Communications Officer
No Bio Available
Mr. Bob Rees
Senior VP & Chief Sales Officer
No Bio Available
Ms. Jana Brown
Senior VP & Chief People Officer
No Bio Available
Ms. Michelle Barbeau
Senior VP & Chief Revenue Officer
No Bio Available
Mr. Ketan Babaria
Senior VP & Chief Digital Officer
No Bio Available

Contacts

Address
CALIFORNIA
Santa Clara
2625 Augustine Dr Fl 2
Contacts