财务数据和关键指标变化 - 第二季度总收入为6,590万美元,同比下降1%。剔除尾部收入的影响,总收入同比增长13% [33] - Medicare分部收入为5,920万美元,同比增长7%。剔除尾部收入的影响,Medicare收入同比增长16% [33][34] - Medicare分部利润为130万美元,上年同期为亏损210万美元。剔除尾部收入的影响,Medicare分部亏损同比改善610万美元 [34] 各条业务线数据和关键指标变化 - Medicare Advantage申请量同比增长17%,Medicare补充保险申请量同比增长25%,处方药计划申请量同比下降4.9% [37] - 剔除Amplify平台的申请量,Medicare Advantage申请量同比增长12%,Medicare补充保险申请量同比下降44% [37] - Medicare Advantage会员终身价值同比增长4%,主要反映了每位批准会员的佣金收入提高,以及公司对预估终身佣金的约束从7%下调至5.5% [37][38] 各个市场数据和关键指标变化 - 公司整体会员保留率略有改善,尤其是来自直接品牌渠道的会员保留率有所提高 [39][40] - 每位批准Medicare会员的获客成本同比下降4%,符合预期 [40] 公司战略和发展方向及行业竞争 - 公司正在加强会员保留举措,包括推出会员匹配监控工具、扩大会员忠诚度计划、推出申请进度跟踪工具等 [25][26][27] - 公司正在积极与CMS沟通,希望CMS能够延长今年的年度投保期或设立额外的特殊投保期,以应对预期的大规模会员转换 [14][56] - 公司认为行业内的容量收缩以及预期的大规模会员转换,为公司提供了增长机会 [13][63] 管理层对经营环境和未来前景的评论 - 管理层预计2025年Medicare计划将出现大规模变动,包括福利方案、保费、地理覆盖范围等的重大调整 [12][63] - 管理层认为公司的全渠道选择模式和作为受益人可信赖顾问的定位,在这种流动环境中更加相关 [13] - 管理层对公司准备好把握即将到来的年度投保期的机会表示信心 [29][66] 其他重要信息 - 公司CEO Fran Soistman计划于2025年第二季度退休,公司已启动继任者选聘工作 [6][7][9] - 公司CFO John Stelben将于8月31日离任,由现任首席会计官John Dolan接任 [30][31][52] - 公司正在积极改善资本结构,目标是在2025年3月前实现正自由现金流 [28][45] 问答环节重要的提问和回答 问题1 **George Sutton 提问** 询问公司如何应对选举季节营销预算被挤占的问题,以及公司与CMS沟通的进展 [54][55] **Fran Soistman 回答** 公司将调整营销预算,减少电视广告投放,转向直邮、搜索引擎营销等受选举影响较小的渠道。公司已与CMS沟通,CMS承认延长投保期的必要性,但尚未做出决定 [55][56][57] 问题2 **George Hill 提问** 询问公司对2025年会员流失的预期,以及如何在这种动荡市场中获取份额 [62][63] **Fran Soistman 回答** 公司将通过推出会员保留计划等措施来应对可能出现的大规模会员流失。同时,公司认为行业内的容量收缩以及预期的大规模会员转换,为公司提供了增长机会 [63][64]

EHealth (EHTH) came out with a quarterly loss of $1.09 per share versus the Zacks Consensus Estimate of a loss of $0.71. This compares to loss of $1.05 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of -53.52%. A quarter ago, it was expected that this provider of internet-based heath insurance agency services would post a loss of $0.39 per share when it actually produced a loss of $0.79, delivering a surprise of -102.56%. Over ...

财务表现 - 第二季度总收入为6590万美元，同比下降1%[5] - 第二季度调整后EBITDA为-1550万美元，剔除净调整收入后同比改善650万美元[10] - 公司预计2024年全年总收入将达4.7亿美元至4.95亿美元，调整后EBITDA将达750万美元至2500万美元[12] - 公司预计2024年全年正常收入(不含净调整收入)将同比增长约15%[13] - 总收入为65,856万美元，同比下降1%[26] - 调整后EBITDA为-15,540万美元，同比下降5%[29] - 调整后EBITDA利润率为-24%[29] - 公司总收入为65,856万美元，同比下降1%[35] - 公司2024年第二季度总收入为65.86百万美元，同比下降1%[66] - 剔除净调整收入后，2024年第二季度非GAAP总收入为54.36百万美元，同比增长13%[66] - 2024年第二季度GAAP净亏损为27.97百万美元，同比增加19%[69] - 剔除净调整收入后，2024年第二季度非GAAP净亏损为34.32百万美元，同比减少9%[69] - 公司预计2023财年GAAP总收入为4.53亿美元，同比增长7%[84] - 公司预计2023财年非GAAP总收入(不含净调整收入)为4.05亿美元，同比增长15%[84] 业务表现 - 第二季度Medicare申请量在核心代理和专属Amplify平台上同比增长16%[7] - 第二季度Medicare Advantage客户终生价值增长4%至927美元[8] - Medicare业务收入为59,248万美元，同比增长7%[35] - Employer and Individual业务收入为6,608万美元，同比下降42%[35] - Medicare业务利润为12,746万美元，同比增长162%[36] - Employer and Individual业务利润为890万美元，同比下降87%[36] - Medicare Advantage批准会员数为37,638人，同比增长6%[46] - Medicare Supplement批准会员数为1,954人，同比下降33%[46] - Medicare Part D批准会员数为1,468人，同比下降50%[46] - 总批准会员数为56,568人，同比下降7%[46] - Medicare Advantage每位会员的预期终生价值为927美元，同比增长4%[48] - 2024年第二季度Medicare分部收入为59.25百万美元，同比增长7%[74] - 剔除Medicare分部净调整收入后，2024年第二季度非GAAP Medicare分部收入为48.57百万美元，同比增长16%[74] - 2024年第二季度E&I分部收入为6.61百万美元，同比下降42%[75] - 剔除E&I分部净调整收入后，2024年第二季度非GAAP E&I分部收入为5.79百万美元，同比下降4%[75] 现金流和资产 - 公司现金及现金等价物为1.511亿美元，应收佣金余额为8.319亿美元[10][11] - 现金及受限现金为12.94亿美元[31] - 资本化的内部使用软件和网站开发成本为2,593万美元[31] - 购买有价证券支付2.36亿美元，赎回和到期收回1.9亿美元[31] 费用情况 - 营销和广告费用为26,783万美元，同比增长14%[26] - 客户服务和注册费用为28,551万美元，同比下降5%[26] - 技术和内容费用为13,044万美元，同比下降10%[26] - 一般和行政费用为22,402万美元，同比下降11%[26] 其他 - 公司使用了多种非GAAP财务指标来补充GAAP财务数据，包括非GAAP总收入、非GAAP净收益、调整后EBITDA等[86-95] - 公司解释了这些非GAAP指标的计算方法和使用目的[86-97] - 公司披露了批准会员数、会员生命周期价值、客户获取成本等运营指标[99-104] - 公司从2024年第一季度开始调整了费用分摊的方法，将部分设施相关费用从各业务分部调整至公司层面[105] - 公司提供了过去几个季度的相关财务和运营数据的重述[105]

AUSTIN, Texas, Aug. 7, 2024 /PRNewswire/ -- eHealth, Inc. (Nasdaq: EHTH), a leading private online health insurance marketplace, today announced its financial results for the second quarter ended June 30, 2024. Please click the PDF link to access the full earnings press release: The earnings press release and earnings presentation can also be accessed on the eHealth Investor Relations website at https://ir.ehealthinsurance.com. View PDFeHealth, Inc. Announces Second Quarter 2024 Results Webcast and Conferen ...

Fran Soistman to Retire as CEO in early 2025, Will Remain on Board of Directors eHealth Board Commences Search for Next CEO AUSTIN, Texas, Aug. 6, 2024 /PRNewswire/ -- eHealth, Inc. (Nasdaq: EHTH), a leading private online health insurance marketplace (the "Company"), today announced that Fran Soistman will retire from his role as Chief Executive Officer upon the appointment of a successor, which is expected to occur by or before the second quarter of 2025. Following his retirement as CEO, Mr. Soistman inte ...

AUSTIN, Texas, July 22, 2024 /PRNewswire/ -- eHealth, Inc. (Nasdaq: EHTH), a leading private online health insurance marketplace, today announced that the company plans to release second quarter 2024 financial results on August 7, 2024. The company will hold an earnings conference call beginning at 8:30 a.m. Eastern Time on August 7th, 2024 to discuss these results. The call will be hosted by eHealth's chief executive officer, Fran Soistman, eHealth's outgoing chief financial officer, John Stelben, and eHea ...

AUSTIN, Texas, July 19, 2024 /PRNewswire/ -- Today eHealth, Inc. (Nasdaq: EHTH) (eHealth.com), a leading online private health insurance marketplace, applauded the decision by the Centers for Medicare and Medicaid Services (CMS) to temporarily retain CY2024 agent compensation rates for CY2025. CMS's decision comes in response to preliminary injunctions issued by the US District Court for the Northern District of Texas in the case of Americans for Beneficiary Choice v. HHS. "While we were not of the opinion ...

eHealth's Chief Accounting Officer John Dolan to be Named Chief Financial OfficerAUSTIN, Texas, May 30, 2024 /PRNewswire/ -- eHealth, Inc. (NASDAQ: EHTH) (eHealth.com), a leading online private health insurance marketplace, announced today that John Stelben, its chief financial officer (CFO), is returning to retirement and will depart the company at the end of August 2024. Mr. Stelben will serve as a retained advisor through the end of 2024 to ensure a seamless transition.John Dolan, eHealth's chief account ...

94% of Gen Xers and Millennials say they are entitled to healthcare coverage in retirement84% would accept increased payroll taxes to help ensure the future of Medicare 65% of informed respondents worry Medicare won't be there for them when they retireAUSTIN, Texas, May 22, 2024 /PRNewswire/ -- Millennials and Gen Xers may not be ready for Medicare yet, but they believe they're entitled to healthcare coverage in retirement and are willing to accept higher payroll taxes to preserve the program, according to ...

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 March 31, 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) _________________ ...