eHealth (EHTH) 10-Q 8 May 20 2020 Q1 Quarterly report Financial data

Cover Page

Cover Page - shares	3 Months Ended
	Mar. 31, 2020	Apr. 30, 2020
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2020
Document Transition Report	false
Entity File Number	001-33071
Entity Registrant Name	EHEALTH, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	56-2357876
Entity Address, Address Line One	2625 AUGUSTINE DRIVE, SECOND FLOOR
Entity Address, City or Town	SANTA CLARA
Entity Address, State or Province	CA
Entity Address, Postal Zip Code	95054
City Area Code	650
Local Phone Number	584-2700
Title of 12(b) Security	Common Stock, par value $0.001 per share
Trading Symbol	EHTH
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding (in shares)		25,614,001
Amendment Flag	false
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q1
Entity Central Index Key	0001333493
Current Fiscal Year End Date	--12-31

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2020	[1]	Dec. 31, 2019
Current assets:
Cash and cash equivalents	$ 184,167		$ 23,466
Short-term marketable securities	33,683		0
Accounts receivable	668		2,332
Contract assets – commissions receivable – current	125,252		174,526
Prepaid expenses and other current assets	9,202		7,822
Total current assets	352,972		208,146
Contract assets – commissions receivable – non-current	435,465		414,696
Property and equipment, net	12,875		10,518
Long-term marketable securities	24,409		0
Operating lease right-of-use assets	43,396		36,621
Restricted cash	3,353		3,354
Other assets	19,300		18,004
Intangible assets, net	9,516		10,062
Goodwill	40,233		40,233
Total assets	941,519		741,634
Current liabilities:
Accounts payable	8,906		24,554
Accrued compensation and benefits	18,473		29,578
Accrued marketing expenses	4,711		12,041
Earnout liability — current	0		37,273
Lease liabilities — current	4,174		4,759
Deferred revenue	2,683		2,570
Other current liabilities	3,736		2,210
Total current liabilities	42,683		112,985
Deferred income taxes — non-current	61,623		64,130
Lease liabilities — non-current	41,992		34,305
Other non-current liabilities	3,535		3,050
Stockholders’ equity:
Common stock	37		35
Additional paid-in capital	717,380		455,159
Treasury stock, at cost	(199,998)		(199,998)
Retained earnings	274,157		271,852
Accumulated other comprehensive income	110		116
Total stockholders’ equity	791,686		527,164
Total liabilities and stockholders’ equity	$ 941,519		$ 741,634
[1]	Reflects the impact from the adoption of ASC 326 on January 1, 2020. See Note 1 – Summary of Business and Significant Accounting Policies for details.

Condensed Consolidated Statemen

Condensed Consolidated Statements of Comprehensive Income (Loss) (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Revenue:
Total revenue	$ 106,408	$ 68,773
Operating costs and expenses:
Cost of revenue	1,138	(77)
Marketing and advertising	37,764	23,941
Customer care and enrollment	30,535	19,944
Technology and content	15,740	9,017
General and administrative	19,653	11,278
Amortization of intangible assets	547	547
Change in fair value of earnout liability	0	13,306
Total operating costs and expenses	105,377	77,956
Income (loss) from operations	1,031	(9,183)
Other income, net	373	557
Income (loss) before benefit from income taxes	1,404	(8,626)
Benefit from income taxes	(2,048)	(3,467)
Net income (loss)	$ 3,452	$ (5,159)
Net income (loss) per share:
Basic (in usd per share)	$ 0.14	$ (0.24)
Diluted (in usd per share)	$ 0.13	$ (0.24)
Weighted-average number of shares used in per share amounts:
Basic (in shares)	24,719	21,831
Diluted (in shares)	26,179	21,831
Comprehensive income:
Unrealized holding gain for available for sales debt securities, net of tax	$ 25	$ 0
Foreign currency translation adjustment, net of taxes	(31)	29
Comprehensive income (loss)	3,446	(5,130)
Commission
Revenue:
Total revenue	99,669	64,227
Other
Revenue:
Total revenue	$ 6,739	$ 4,546

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Stockholders' Equity (Unaudited) - USD ($) shares in Thousands, $ in Thousands	Total		Common Stock	Additional Paid-in Capital	Treasury Stock	Retained Earnings	Accumulated Other Comprehensive Income
Beginning balance (in shares) at Dec. 31, 2018			30,863		(11,426)
Beginning Balance at Dec. 31, 2018	$ 303,149		$ 31	$ 298,024	$ (199,998)	$ 204,965	$ 127
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of common stock in connection with exercise of common stock options (in shares)			172
Issuance of common stock in connection with exercise of common stock options	2,367			2,367
Repurchase of shares to satisfy employee tax withholding obligations	(1,280)			(1,280)
Repurchase of shares to satisfy employee tax withholding obligations (in shares)					(24)
Stock issued in equity offering (in shares)			2,760
Shares issued in equity offering	126,051		$ 3	126,048
Settlement of earnout liability (in shares)			295
Settlement of earnout liability	17,264			17,264
Stock-based compensation expense	3,229			3,229
Foreign currency translation adjustment, net of taxes	29						29
Net income (loss)	(5,159)					(5,159)
Ending balance (in shares) at Mar. 31, 2019			34,090		(11,450)
Ending Balance at Mar. 31, 2019	445,650		$ 34	445,652	$ (199,998)	199,806	156
Beginning balance (in shares) at Dec. 31, 2019			34,752		(11,616)
Beginning Balance at Dec. 31, 2019	527,164		$ 35	455,159	$ (199,998)	271,852	116
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of common stock in connection with exercise of common stock options (in shares)			141
Issuance of common stock in connection with exercise of common stock options	1,091			1,091
Repurchase of shares to satisfy employee tax withholding obligations	(4,375)			(4,375)
Repurchase of shares to satisfy employee tax withholding obligations (in shares)					(33)
Stock issued in equity offering (in shares)			2,070
Shares issued in equity offering	228,024		$ 2	228,022
Settlement of earnout liability (in shares)			295
Settlement of earnout liability	28,521			28,521
Stock-based compensation expense	8,962			8,962
Other comprehensive income, net of tax	(6)						(6)
Foreign currency translation adjustment, net of taxes	(31)
Net income (loss)	3,452					3,452
Ending balance (in shares) at Mar. 31, 2020			37,258		(11,649)
Ending Balance at Mar. 31, 2020	$ 791,686	[1]	$ 37	$ 717,380	$ (199,998)	$ 274,157	$ 110
[1]	Reflects the impact from the adoption of ASC 326 on January 1, 2020. See Note 1 – Summary of Business and Significant Accounting Policies for details.

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Operating activities:
Net income (loss)	$ 3,452	$ (5,159)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Depreciation and amortization	823	655
Amortization of internally developed software	1,501	719
Amortization of intangible assets	547	547
Stock-based compensation expense	8,714	3,229
Deferred income taxes	(2,141)	(3,543)
Change in fair value of earnout liability	0	13,306
Other non-cash items	223	(1,194)
Increase (Decrease) in Operating Capital [Abstract]
Accounts receivable	1,664	221
Contract assets – commissions receivable	26,873	17,648
Prepaid expenses and other assets	(159)	1,111
Accounts payable	(16,279)	(768)
Accrued compensation and benefits	(11,104)	(9,390)
Accrued marketing expenses	(7,329)	(7,147)
Deferred revenue	113	2,897
Accrued expenses and other liabilities	2,009	(383)
Net cash provided by operating activities	8,907	12,749
Investing activities:
Capitalized internal-use software and website development costs	(3,564)	(1,487)
Purchases of property and equipment and other assets	(2,508)	(1,509)
Purchases of marketable securities	(58,064)	0
Cash used in investing activities	(64,136)	(2,996)
Financing activities:
Proceeds from issuance of common stock, net of issuance costs	228,024	126,051
Net proceeds from exercise of common stock options	1,091	2,367
Repurchase of shares to satisfy employee tax withholding obligations	(4,375)	(1,280)
Repayment of debt	0	(5,000)
Acquisition-related contingent payments	(8,751)	(9,542)
Principal payments in connection with leases	(58)	(25)
Net cash provided by financing activities	215,931	112,571
Effect of exchange rate changes on cash, cash equivalents and restricted cash	(2)	62
Net increase in cash, cash equivalents and restricted cash	160,700	122,386
Cash, cash equivalents and restricted cash at beginning of period	26,820	13,089
Cash, cash equivalents and restricted cash at end of period	$ 187,520	$ 135,475

Summary of Business and Signifi

Summary of Business and Significant Accounting Policies	3 Months Ended
	Mar. 31, 2020
Accounting Policies [Abstract]
Summary of Business and Significant Accounting Policies	Summary of Business and Significant Accounting Policies Description of Business – eHealth, Inc. (the “Company,” “eHealth,” “we” or “us”) is a leading health insurance marketplace with a technology and service platform that provides consumer engagement, education and health insurance enrollment solutions. Our mission is to connect every person with the highest quality, most affordable health insurance and Medicare plans for their life circumstances. Our platform integrates proprietary and third-party developed educational content regarding health insurance plans with decision support tools to aid consumers in what has traditionally been a confusing and opaque health insurance purchasing process, and to help them obtain the health insurance products that meet their individual health and economic needs. Our omni-channel consumer engagement platform is designed to meet the consumer wherever they prefer to engage with us, and enables consumers to use our services online, through interactive chat, or by telephone with a licensed insurance agent. We have 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 from over 180 health insurance carriers across all fifty states and the District of Columbia. Basis of Presentation – The accompanying condensed consolidated balance sheets as of March 31, 2020 and December 31, 2019, and the condensed consolidated statements of comprehensive income (loss), stockholders' equity, and cash flows for the three months ended March 31, 2020 and 2019, respectively, are unaudited. The condensed consolidated balance sheet data as of December 31, 2019 was derived from the audited consolidated financial statements included in our Annual Report on Form 10-K for the year ended December 31, 2019, which was filed with the Securities and Exchange Commission on March 2, 2020. The accompanying financial statements and related notes should be read in conjunction with the audited consolidated financial statements and related notes included in our Annual Report on Form 10-K. The accompanying condensed consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles ("U.S. GAAP") for interim financial information and reflect all normal recurring adjustments that are necessary to present fairly the results for the interim periods presented. The condensed consolidated financial statements include the accounts of eHealth, Inc. and its wholly-owned subsidiaries. All intercompany accounts and transactions have been eliminated in consolidation. Certain information and disclosures normally included in financial statements prepared in accordance with U.S. GAAP have been condensed or omitted in accordance with those rules and regulations. Certain reclassifications might be made to conform with the current presentation. However, the Company believes that the disclosures made are adequate to make the information not misleading. The unaudited condensed consolidated financial statements have been prepared on the same basis as the audited consolidated financial statements in our Annual Report on Form 10-K for the year ended December 31, 2019 and include all adjustments necessary for the fair presentation of our financial position as of March 31, 2020 and December 31, 2019, and our results of operations for the periods presented. Our financial position as of March 31, 2020 and results of operations and cash flows for the three months ended March 31, 2020 were not materially impacted by the COVID-19 pandemic but the Company is continuously assessing the evolving situation related to the pandemic. The results for the three months ended March 31, 2020 are not necessarily indicative of the results to be expected for any subsequent period or for the year ending December 31, 2020 and therefore should not be relied upon as an indicator of future results. Significant Accounting Polices, Estimates and Judgements – The preparation of condensed consolidated financial statements and related disclosures in conformity with U.S. GAAP requires management to make estimates, judgments and assumptions that affect the amounts reported and disclosed in the condensed consolidated financial statements and accompanying notes. On an ongoing basis, we evaluate our estimates, including those related to, but not limited to, the commissions we expect to collect for each approved member cohort, allowance for credit loss, the useful lives of intangible assets, fair value of investments, recoverability of intangible assets, valuation allowance for deferred income taxes, provision (benefit) for income taxes and the assumptions used in determining stock-based compensation. We base our estimates of the carrying value of certain assets and liabilities on historical experience and on various other assumptions that we believe to be reasonable. Actual results may differ from these estimates. With the exception of the change for the accounting of credit losses as a result of the adoption of Accounting Standard Updates ("ASU") No. 2016-13, Financial Instruments – Credit Losses discussed below, there have been no material changes to our significant accounting policies discussed in our Annual Report on Form 10-K for the year ended December 31, 2019. Seasonality – A greater number of our Medicare-related health insurance plans are sold in our fourth quarter during the Medicare annual enrollment period when Medicare-eligible individuals are permitted to change their Medicare Advantage, Medicare Supplement, and Medicare Part D prescription drug coverage for the following year. As a result, our Medicare plan-related commission revenue is highest in our fourth quarter. Due to the recent reintroduction of the Medicare Advantage open enrollment period that takes place in the first quarter of the year, our commission revenue is typically second-highest in our first quarter. The majority of our major medical individual and family health insurance plans are sold in the fourth quarter during the annual open enrollment period under the federal Patient Protection and Affordable Care Act and related amendments in the Health Care and Education Reconciliation Act. Individuals and families generally are not able to purchase major medical individual and family health insurance outside of the open enrollment period, unless they qualify for a special enrollment period as a result of certain qualifying events, such as losing employer-sponsored health insurance or moving to another state. Recently Adopted Accounting Pronouncement Financial Instruments – Credit Losses (Topic 326) – In June 2016, the Financial Accounting Standards Board (“FASB”) issued ASU No. 2016-13, Financial Instruments – Credit Losses (Topic 326), that requires companies to present certain financial assets net of the amount expected to be collected. The guidance requires the measurement of expected credit losses to be based on relevant information from past events, including historical experiences, current conditions and reasonable and supportable forecasts that affect collectability. Contract assets – commissions receivable are the Company's only financial assets that were materially impacted by this guidance. We adopted ASU 2016-13 using a modified retrospective transition method on January 1, 2020 for all financial assets measured at amortized cost. Results for periods after January 1, 2020 are presented under ASU 2016-13 while prior period amounts continue to be reported under the previous accounting standards. We recorded a $1.1 million decrease, net of income taxes, to the retained earnings as of January 1, 2020 for the cumulative effect of adopting ASU 2016-13. See Note 3 – Supplemental Financial Statement Information for further discussion on credit losses. T he impacts from the adoption are summarized as follows (in thousands): Balance Sheet Impact: December 31, 2019 Transition Adjustments January 1, 2020 Contract assets – commissions receivable – current $ 174,526 $ (71) $ 174,455 Contract assets – commissions receivable – non-current $ 414,696 $ (1,442) $ 413,254 Other assets* $ 18,004 $ 366 $ 18,370 Total assets $ 741,634 $ (1,147) $ 740,487 Retained earnings $ 271,852 $ (1,147) $ 270,705 ____________ * Adjustment to Other assets is related to the increase in deferred tax asset resulted from the adoption of the accounting guidance. Financial Instruments (Topic 820) – In 2018, the FASB issued ASU No. 2018-13, to change the disclosure requirements for fair value measurement with the objective of improving the effectiveness of the notes to financial statements. This new guidance removed and modified certain disclosure requirements under Topic 820. We adopted this guidance in the first quarter of 2020 with no material impact on our condensed consolidated financial statements. Intangible – Goodwill and Other (Topic 350) – In 2017, the FASB issued ASU 2017-04 to simplify the subsequent measurement of goodwill by removing the requirement to perform a hypothetical purchase price allocation to compute the implied fair value of goodwill to measure impairment. Instead, any goodwill impairment will equal the amount by which a reporting unit’s carrying value exceeds its fair value, not to exceed the carrying amount of goodwill. In addition, the guidance eliminates the requirements for any reporting unit with a zero or negative carrying amount to perform a qualitative assessment and, if it fails that qualitative test, to perform Step 2 of the goodwill impairment test. This standard is effective for annual or any interim goodwill impairment test in fiscal years beginning after December 15, 2019. We adopted this guidance in the first quarter of 2020 with no material impact on our condensed consolidated financial statements. Accounting Pronouncements Not Yet Adopted Income Taxes (Topic 740) – In December 2019, the FASB issued ASU No. 2019-12, Income Tax, Simplifying the Accounting for Income Taxes , which aims to simplify the accounting for income taxes by removing certain exceptions to the general principles in Topic 740 and improve consistent application of and simplify U.S. GAAP for other areas under this Topic by clarifying existing guidance. ASU 2019-12 will be effective for us beginning January 1, 2021. The amendments in this standard update have individually different adoption approaches. We do not anticipate a material impact on our consolidated financial statements and disclosure from the adoption of this standard update.

Revenue

Revenue	3 Months Ended
	Mar. 31, 2020
Revenue from Contract with Customer [Abstract]
Revenue	Revenue Disaggregation of Revenue – The table below disaggregates our revenue by product (in thousands): Three Months Ended March 31, 2020 2019 Medicare Medicare Advantage $ 68,347 $ 39,843 Medicare Supplement 15,170 8,597 Medicare Part D 5,661 2,336 Total Medicare 89,178 50,776 Individual and Family (1) Non-Qualified Health Plans 1,446 2,629 Qualified Health Plans 1,210 3,508 Total Individual and Family 2,656 6,137 Ancillary Short-term 2,216 1,316 Dental 743 790 Vision 243 462 Other 1,049 951 Total Ancillary 4,251 3,519 Small Business 2,971 2,640 Commission Bonus 613 1,155 Total Commission Revenue 99,669 64,227 Other Revenue 6,739 4,546 Total Revenue $ 106,408 $ 68,773 _____________ (1) We define our individual and family plan offerings as major medical individual and family health insurance plans, which does not include Medicare-related, small business or ancillary plans. Individual and family health insurance plans include both qualified and non-qualified plans. Qualified health plans are individual and family health insurance plans that meet the requirements of the Affordable Care Act and are offered through the government-run health insurance exchange in the relevant jurisdiction. Non-qualified health plans are individual and family health insurance plans that meet the requirements of the Affordable Care Act and are not offered through the exchange in the relevant jurisdiction. Individuals that purchase non-qualified health plans cannot receive a subsidy in connection with the purchase of non-qualified plans. Revenue Recognition Based on Estimated Constrained LTV We recognize revenue for plans approved during the period by applying the latest estimated constrained life time value (“LTV”) for that product. We recognize adjustment revenue for plans approved in prior periods when there is a change in estimate to expected cash collections as a result of sufficient evidence that demonstrates a trend that is different from the estimated constrained LTV at the time of approval. We recognize adjustment revenue to the extent that it is probable that a significant reversal in the amount of cumulative revenue recognized will not occur. We assess the risk of significant revenue reversal based on statistical and qualitative analysis given historical information and current market conditions. Our commission revenue for each product line is based on a number of assumptions, which include, but are not limited to, estimating conversion of an approved member to a paying member, forecasting average plan duration and forecasting the commission amounts likely to be received per member. These assumptions are based on our analysis of historical trends for different cohorts and incorporate management’s judgment in interpreting those trends to apply the constraints discussed below. For our Medicare commission revenue, which represented 89% and 79% of our total commission revenue for the three months ended March 31, 2020 and 2019, respectively, the estimated average plan duration, which is the average length of time paying members are active on their plans, used to calculate Medicare health insurance plan LTVs historically has been approximately 3 years for Medicare Advantage plans, approximately 5 years for Medicare Part D prescription drug plans, and approximately 5 years for Medicare Supplement plans. While the average plan duration has been approximately 3 years for Medicare Advantage plans, certain members may have a duration of up to 12 years. The estimated average plan duration used to calculate the LTV for major medical individual and family health insurance plans historically has been approximately 1.5 to 2 years. For short term health insurance plan LTVs, the estimated average plan duration historically has been less than six months. For all other ancillary health insurance plan LTVs, the estimated average plan duration has historically varied from 1 to 3 years. To the extent we make changes to the assumptions we use to calculate constrained LTVs, we recognize the impact of changes to commission revenue in the reporting period in which the change is made, including revisions of estimated lifetime commissions either below or in excess of previously estimated constrained LTV recognized as revenue. Constraints are applied to LTV for revenue recognition purposes to help ensuring that the total estimated lifetime commissions expected to be collected for an approved member’s plan are recognized as revenue only to the extent that it is probable that a significant reversal in the amount of cumulative revenue recognized will not occur when the uncertainty associated with future commissions receivable from the plan is subsequently resolved. Judgments that can be significant in estimating LTVs are related to the constraint. To determine the constraints to be applied to LTV, we compare prior calculations of LTV to actual cash received and review the reasons for any variations. We then apply judgment in assessing whether the difference between historical cash collections and LTV is representative of differences that can be expected in future periods. We also analyze whether circumstances have changed and consider any known or potential modifications to the inputs into LTV in light of the factors that can impact the amount of cash expected to be collected in future periods including but not limited to commission rates, carrier mix, plan duration, changes in laws and regulations, and cancellations of insurance plans offered by health insurance carriers with which we have a relationship. We evaluate the appropriateness of our constraints on a quarterly basis, and we update our assumptions when we observe a sufficient amount of evidence that would suggest that the long-term expectation underlying the assumptions has changed. We recorded adjustment revenue of $12.7 million and $7.4 million, or $0.52 and $0.34 per basic share, or $0.49 and $0.34 per diluted share, respectively, for the three months ended March 31, 2020 and 2019, respectively. Commission revenue by segment is presented in the table below (in thousands): Three Months Ended March 31, 2020 2019 Medicare Commission Revenue from Members Approved During the Period (1) $ 81,125 $ 50,582 Net Commission Revenue from Members Approved in Prior Periods (2) 8,979 1,067 Total Medicare Segment Commission Revenue $ 90,104 $ 51,649 Individual, Family and Small Business Commission Revenue from Members Approved During the Period (1) $ 5,796 $ 6,225 Net Commission Revenue from Members Approved in Prior Periods (2) 3,769 6,353 Total IFP/SMB Segment Commission Revenue $ 9,565 $ 12,578 _____________ (1) These amounts include commission bonus revenue. (2) These amounts reflect our revised estimates of cash collections for certain members approved prior to the relevant reporting period that are recognized as adjustment revenue within the relevant reporting period. These amounts include revenue associated with renewing small business health insurance members. Adjustment revenue also includes reductions to revenue for certain prior periods cohorts which were immaterial for the three months ended March 31, 2020 and 2019, respectively.

Supplemental Financial Statemen

Supplemental Financial Statement Information	3 Months Ended
	Mar. 31, 2020
Balance Sheet Related Disclosures [Abstract]
Supplemental Financial Statement Information	Supplemental Financial Statement Information Cash, Cash Equivalents and Restricted Cash We consider all investments with an original maturity of 90 days or less from the date of purchase to be cash equivalents. Cash and cash equivalents are stated at fair value. We also invested in marketable securities that are measured and recorded at fair value. See Note 4 – Fair Value Measurements for further discussion about our marketable securities. As of March 31, 2020 and December 31, 2019, our cash, cash equivalent and restricted cash balances were invested as follows (in thousands): March 31, 2020 December 31, 2019 Cash $ 16,364 $ 16,205 Cash equivalents 167,803 7,261 Restricted cash 3,353 3,354 Total cash, cash equivalents and restricted cash $ 187,520 $ 26,820 As of March 31, 2020 and December 31, 2019, we had $3.4 million of restricted cash which was classified as a non-current asset on our Condensed Consolidated Balance Sheets. This amount collateralizes letters of credit related to certain lease commitments. Contract Assets and Accounts Receivable We do not require collateral or other security for our contract assets and accounts receivable. We believe the potential for collection issues with any of our customers was minimal as of March 31, 2020. Our contract assets and accounts receivable consisted of the following for the periods presented (in thousands): March 31, 2020 December 31, 2019 Contract assets – commissions receivable – current $ 125,252 $ 174,526 Contract assets – commissions receivable – non-current 435,465 414,696 Accounts receivable 668 2,332 Total contract assets and accounts receivable $ 561,385 $ 591,554 We estimate the allowance for credit loss balance using relevant available information from internal and external sources, related to past events, current conditions, and reasonable and supportable forecasts. Specifically, for the purpose of measuring the probability of default parameters, we utilize Capital IQ, Standard & Poors and Moody's analytics. Our estimates of loss given default are determined by using our historical collections data as well as historical information obtained through our research and review of other insurance related companies. Our estimated exposure at default is determined by applying these internal and external data sources to our commission receivable balances. As such, we apply an immediate reversion method and revert to historical loss information when computing our credit loss exposure. Subsequent to the adoption of ASC 326, we considered the impact of recent events and global economic condition when evaluating the appropriate adjustments to our allowance as of March 31, 2020. Determining the extent of these adjustments in the three months ended March 31, 2020 was especially challenging because we do not have any historical loss information for a period of similar economic decline. We considered the current and expected future economic and market conditions surrounding the COVID-19 pandemic and determined that the estimated of credit losses was not materially impacted as of March 31, 2020. After our management's evaluation, we recorded credit loss expenses of $0.1 million during the three months ended March 31, 2020 which is included in general and administrative expense on our Condensed Consolidated Statement of Comprehensive Income. Our contract assets – commission receivable activities, net of credit losses are summarized as follows (in thousands): Three Months Ended March 31, 2020 Medicare Segment IFP/SMB Segment Total Beginning balance $ 550,922 $ 38,300 $ 589,222 Commission revenue from members approved during the period 81,125 5,796 86,921 Net commission revenue adjustments from members approved in prior period 8,979 3,769 12,748 Cash receipts (112,731) (13,811) (126,542) Change in credit loss allowance* (1,574) (58) (1,632) Ending balance $ 526,721 $ 33,996 $ 560,717 Three Months Ended March 31, 2019 Medicare Segment IFP/SMB Segment Total Beginning balance $ 311,977 $ 33,881 $ 345,858 Commission revenue from members approved during the period 50,582 6,225 56,807 Net commission revenue adjustments from members approved in prior period 1,067 6,353 7,420 Cash receipts (67,873) (14,001) (81,874) Change in credit loss allowance — — — Ending balance $ 295,753 $ 32,458 $ 328,211 _____________ * Amount consists of transition adjustment of $1.5 million related to the adoption of ASC 326 as of January 1, 2020 and the subsequent credit loss adjustment of $0.1 million as of March 31, 2020. See Note 1 – Summary of Business and Significant Accounting Policies for details regarding the adoption impact. Credit Risk Our financial instruments that are exposed to concentrations of credit risk principally consist of cash, cash equivalents, contract assets – commissions receivable, and accounts receivable. We invest our cash and cash equivalents with major banks and financial institutions and, at times, such investments are in excess of federally insured limits. We also have deposits with major banks in China that are denominated in both U.S. dollars and Chinese Yuan Renminbi and are not insured by the U.S. federal government. The deposits in China were $4.1 million as of March 31, 2020. We do not require collateral or other security for either our contract assets or accounts receivable. Carriers that represented 10% or more of our total contract assets and accounts receivable balance are summarized as of the dates presented below: March 31, 2020 December 31, 2019 Humana 22 % 22 % Aetna (1) 21 % 20 % UnitedHealthCare (2) 20 % 20 % _____________ (1) Aetna also includes other carriers owned by Aetna. (2) UnitedHealthcare also includes other carriers owned by UnitedHealthcare. Prepaid Expenses and Other Current Assets – Prepaid expenses and other current assets are summarized as follows (in thousands): March 31, 2020 December 31, 2019 Prepaid maintenance contracts 5,460 3,853 Prepaid expenses 1,727 2,207 Prepaid insurance 543 918 Income tax receivable 1,041 584 Other 431 260 Prepaid expenses and other current assets 9,202 7,822

Fair Value Measurements

Fair Value Measurements	3 Months Ended
	Mar. 31, 2020
Fair Value Disclosures [Abstract]
Fair Value Measurements	Fair Value Measurements We define fair value as the price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. Valuation techniques we use to measure fair value maximize the use of observable inputs and minimize the use of unobservable inputs. We classify the inputs used to measure fair value into the following hierarchy: Level 1 Unadjusted quoted prices in active markets for identical assets or liabilities; Level 2 Unadjusted quoted prices in active markets for similar assets or liabilities; or unadjusted quoted prices for identical or similar assets or liabilities in markets that are not active; or inputs other than quoted prices that are observable for the asset or liability; and Level 3 Unobservable inputs for the asset or liability. Our financial assets and liabilities measured at fair value on a recurring basis are summarized below by their classification within the fair value hierarchy for the period presented below (in thousands): March 31, 2020 Carrying Value Level 1 Level 2 Level 3 Total Assets Cash equivalents Money market funds $ 105,798 $ 105,798 $ — $ — $ 105,798 Commercial paper 62,005 — 62,005 — 62,005 Short-term marketable securities Commercial paper 23,063 — 23,063 — 23,063 Agency bonds 10,620 — 10,620 — 10,620 Long-term marketable securities Agency bonds 24,409 — 24,409 — 24,409 Total assets measured and recorded at fair value $ 225,895 $ 105,798 $ 120,097 $ — $ 225,895 December 31, 2019 Carrying Value Level 1 Level 2 Level 3 Total Assets Cash equivalents Money market funds $ 7,261 $ 7,261 $ — $ — $ 7,261 Liabilities Earnout liability – current $ 37,273 $ — $ — $ 37,273 $ 37,273 Our cash equivalents were invested in money market funds and commercial paper with original maturity 90 days or less were classified as Level 1. We endeavor to utilize the best available information in measuring fair value. We used observable prices in active markets in determining the classification of our investments as Level 1. As of March 31, 2020, our Level 2 assets included our available for sale marketable securities, which consisted of commercial paper and agency bonds with maturity less than two years. We classify our marketable debt securities within Level 2 in the fair value hierarchy because we use quoted market prices to the extent available or alternative pricing sources and models utilizing market observable inputs to determine fair value. Our portfolio primarily consisted of financial instruments with credit rating of AA+ or equivalent by S&P Rating and Moody's Investor Services. There were no transfers between the hierarchy levels during the three months ended March 31, 2020. The following table summarizes our available-for-sale debt securities by contractual maturity (in thousands): As of March 31, 2020 Amortized Cost Fair Value Due in 1 year $ 201,482 $ 201,486 Due in 1 year through 5 years 24,388 24,409 Total $ 225,870 $ 225,895 Unrealized gains and losses on available-for-sale debt securities are included in accumulated other comprehensive income and summarized as follows as of March 31, 2020: Amortized Cost Unrealized Gain Unrealized Loss Fair Value Cash equivalents Money market funds $ 105,798 $ — $ — $ 105,798 Commercial paper 62,005 — — 62,005 Short-term marketable securities Commercial paper 23,063 — — 23,063 Agency bonds 10,616 5 (1) 10,620 Long-term marketable securities Agency bonds 24,388 21 — 24,409 Total $ 225,870 $ 26 $ (1) $ 225,895 As of March 31, 2020, there were four securities in net loss positions and their unrealized losses were immaterial. We did not record any credit losses regarding our available-for-sales debt securities during the three months ended March 31, 2020. Earnout Liabilities Our earnout liabilities in connection with our GoMedigap acquisition in 2018 have been recognized at fair value. We measure the earnout liability using internally developed assumptions; therefore, it is classified as Level 3. The fair value of the earnout liability was measured using probability-weighted analysis and is discounted using a rate that appropriately captures the risk associated with the obligation. Key assumptions included new enrollments and volatility for the years ended December 31, 2019 and 2018 and our stock price at the time of payment. Earnout liability activities are summarized as follows (in thousands): Balance as of December 31, 2019 $ 37,273 Change in fair value — Settlements (37,273) Balance as of March 31, 2020 $ — In February 2019, we made the first earnout payment to GoMedigap consisting of $9.5 million in cash and 294,608 shares of our common stock with a value of $17.3 million. In January 2020, we made the second and last payment, which consisted of $8.8 million in cash and 294,608 shares of our common stock with a value of $28.5 million.

Equity

Equity	3 Months Ended
	Mar. 31, 2020
Stockholders' Equity Note [Abstract]
Equity	Equity Public Offering of Common Stock – Pursuant to the effective registration statement which was filed on December 17, 2018, and amended on January 22, 2019 and March 2, 2020, we entered into an underwriting agreement in March 2020 to issue a total of 2,070,000 shares of common stock, which included the exercise in full of the underwriters’ option to purchase 270,000 additional shares of common stock, at a price to the public of $115.00 per share. Net proceeds from the offering were approximately $228.0 million after deducting underwriting discounts, commissions and expenses of the offering. We intend to use the net proceeds of the offering for general corporate purposes, including working capital. Stock Repurchase Programs – We had no stock repurchase activity during the three months ended March 31, 2020. In addition to 10,663,888 shares repurchased under our previous repurchase programs, we have in treasury 985,454 shares as of March 31, 2020 that were previously surrendered by employees to satisfy tax withholding due in connection with the vesting of certain restricted stock units. As of March 31, 2020 and December 31, 2019, we had a total of 11,649,342 shares and 11,615,558 shares, respectively, held in treasury. For accounting purposes, common stock repurchased under our stock repurchase programs is recorded based upon the settlement date of the applicable trade. Such repurchased shares are held in treasury and are presented using the cost method. Stock-Based Compensation Expense – Our stock-based compensation expense is summarized as follows by award types (in thousands): Three Months Ended March 31, 2020 2019 Common stock options $ 306 $ 602 Restricted stock units 8,408 2,627 Total stock-based compensation expense $ 8,714 $ 3,229 Our stock-based compensation expense is summarized as follows by operating functions (in thousands): Three Months Ended March 31, 2020 2019 Marketing and advertising $ 1,730 $ 629 Customer care and enrollment 662 273 Technology and content 1,617 549 General and administrative 4,705 1,778 Total stock-based compensation expense $ 8,714 $ 3,229

Net Income (Loss) Per Share

Net Income (Loss) Per Share	3 Months Ended
	Mar. 31, 2020
Earnings Per Share [Abstract]
Net Income (Loss) Per Share	Net Income (Loss) Per Share Basic net income (loss) per share is computed by dividing net income by the weighted-average number of common shares outstanding for the period. Diluted net income per share is computed by dividing the net income for the period by the weighted average number of common and common equivalent shares outstanding during the period. Diluted net income per share is computed giving effect to all potential dilutive common stock equivalent shares, including options and restricted stock units. The dilutive effect of outstanding awards is reflected in diluted net income per share by application of the treasury stock method. The following table sets forth the computation of basic and diluted net income per share (in thousands, except per share amounts): Three Months Ended March 31, 2020 2019 Basic: Net income (loss) $ 3,452 $ (5,159) Shares used in per share calculation – basic 24,719 21,831 Net income (loss) per share – basic: $ 0.14 $ (0.24) Diluted: Net income (loss) $ 3,452 $ (5,159) Shares used in per share calculation – basic 24,719 21,831 Dilutive effect of common stock 1,460 — Total common stock shares used in diluted share calculation 26,179 21,831 Net income (loss) per share – diluted $ 0.13 $ (0.24) For the three months ended March 31, 2019, we had securities outstanding that could potentially dilute earnings per share, but the shares from the assumed conversion or exercise of these securities were excluded in the computation of diluted net income (loss) per share as their effect would have been anti-dilutive. The number of outstanding anti-dilutive shares that were excluded from the computation of diluted net loss per share consisted of 1.0 million and 1.4 million shares related to common stock options and restricted stock units, respectively. There were no antidilutive shares for the three months ended March 31, 2020.

Commitments and Contingencies

Commitments and Contingencies	3 Months Ended
	Mar. 31, 2020
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies Operating Leases Refer to Note 9 – Leases for commitments related to our operating leases. Contingencies From time to time, we receive inquiries from governmental bodies and also may be subject to various legal proceedings and claims arising in the ordinary course of business. We assess contingencies to determine the degree of probability and range of possible loss for potential accrual in our consolidated financial statements. An estimated loss contingency is accrued in the consolidated financial statements if it is probable that a liability has been incurred and the amount of the loss can be reasonably estimated. We accrued approximately $1.2 million as of March 31, 2020 for amounts we believe will be payable for certain current legal proceedings, including the matters discussed below. Legal proceedings or other contingencies could result in material costs, even if we ultimately prevail. Legal Proceedings On April 6, 2018, a former employee, Lupita Gonzalez, filed a complaint against us in the Superior Court of the State of California for the County of Sacramento (the “Gonzalez Complaint”). The Gonzalez Complaint is brought under the California Private Attorney General Act (“PAGA”) on behalf of all current and former hourly-paid or non-exempt employees who work or have worked for us in California. The claim alleges that we violated wage and hour laws with respect to these non-exempt employees, including, among other things, the failure to comply with California law as to (i) the payment of overtime wages; (ii) the payment of minimum wages; (iii) providing compliant meal and rest periods, (iv) the payment of wages earned during employment and owed upon the termination of employment; (v) providing complete and accurate wage statements, (vi) keeping of accurate payroll records; and (vii) the proper reimbursement for necessary business-related expenses and costs. The Gonzalez Complaint seeks penalties and costs, expenses and attorneys’ fees. On July 1, 2019, two other current or former employees, Michael Le’Vias and Ramona Meadows, filed a related complaint against us and eHealth Ins. Serv. Co., in the Superior Court of the State of California for the County of Santa Clara (the “Le’Vias Complaint”). A substantial overlap exists between the facts and circumstances alleged in the Gonzalez Complaint and the Le’Vias Complaint. Specifically, the Le’Vias Complaint is also brought under PAGA on behalf of all current and former hourly-paid or non-exempt employees who work or have worked for us in California. The claim alleges that we violated wage and hour laws with respect to these non-exempt employees, including, among other things, the failure to comply with California law as to (i) the payment of overtime wages; (ii) the payment of minimum wages; (iii) providing compliant meal and rest periods, (iv) the payment of wages earned during employment and owed upon the termination of employment; (v) providing complete and accurate wage statements, (vi) keeping of accurate payroll records; and (vii) the proper reimbursement for necessary business-related expenses and costs. The Le’Vias Complaint seeks unpaid wages, penalties and costs, expenses and attorneys’ fees. The parties have agreed to resolve both the Le’Vias and Gonzalez Complaints, which settlement will require court approval. In the interim, the parties have filed notices of conditional settlement in both matters, and the April 13, 2020 trial date for the Gonzalez matter has been vacated. On April 8, 2020 and April 29, 2020, two purported class action lawsuits were filed against us, our chief executive officer, Scott N. Flanders, our chief financial officer, Derek N. Yung and our chief operating officer, David K. Francis, in the United States District Court for the Northern District of California. The cases are captioned Patel v. eHealth, Inc., et al ., Case No. 5:20-cv-02395 (N.D. Cal.) and Bertrand v. eHealth, Inc. et al. , Case No. 3:20-cv-02967 (N.D. Cal.). The complaints allege, among other things, that we and Messrs. Flanders, Yung and Francis made materially false and misleading statements and/or failed to disclose material information regarding our accounting and modeling assumptions, rate of member churn and our profitability during the alleged class period of March 19, 2018 to April 7, 2020. The complaints allege that we and Messrs. Flanders, Yung and Francis violated Sections 10(b) and 20(a) of the Securities Exchange Act of 1934 and Rule 10b-5 promulgated thereunder. The complaints seek compensatory and (in the Patel lawsuit) punitive damages, attorneys’ fees and costs, and such other relief as the court deems proper. We believe the lawsuits to be without merit and intend to vigorously defend ourselves against them. Service and Licensing Obligations We have entered into service and licensing agreements with third party vendors to provide various services, including network access, equipment maintenance and software licensing. As the benefits of these agreements are experienced uniformly over the applicable contractual periods, we record the related service and licensing expenses on a straight-line basis, although actual cash payment obligations under certain of these agreements fluctuate over the terms of the agreements. Our future minimum payments under non-cancellable contractual service and licensing obligations as of March 31, 2020 are summarized as follows (in thousands): For the Years Ending December 31, Service and Licensing Obligations Remainder of 2020 $ 1,961 2021 2,189 2022 692 2023 444 2024 229 Thereafter — Total $ 5,515

Segment and Geographic Informat

Segment and Geographic Information	3 Months Ended
	Mar. 31, 2020
Segment Reporting [Abstract]
Segment and Geographic Information	Segment and Geographic Information Operating Segments We report segment information based on how our chief executive officer, who is our chief operating decision maker ("CODM"), regularly reviews our operating results, allocates resources and makes decisions regarding our business operations. The performance measures of our segments include total revenue and profit. Our business structure is comprised of two operating segments: Medicare and Individual, Family and Small Business. Please refer to Note 1 – Summary of Business and Significant Accounting Policies of the Notes to Consolidated Financial Statements in Part II, Item 8 of the Annual Report on Form 10-K for the year ended December 31, 2019 for our accounting policies of operating segments. The following table presents summary results of our operating segments for the three months ended March 31, 2020 and 2019 (in thousands): Three Months Ended March 31, 2020 2019 Revenue: Medicare $ 96,151 $ 54,901 Individual, Family and Small Business 10,257 13,872 Total revenue $ 106,408 $ 68,773 Segment profit: Medicare segment profit $ 21,960 $ 10,826 Individual, Family and Small Business segment profit 2,603 6,024 Total segment profit 24,563 16,850 Corporate (13,448) (8,296) Stock-based compensation expense (8,714) (3,229) Change in fair value of earnout liability — (13,306) Depreciation and amortization (823) (655) Amortization of intangible assets (547) (547) Other income, net 373 557 Income (loss) before benefit from income taxes $ 1,404 $ (8,626) There are no internal revenue transactions between our operating segments. With the exception of contract assets – commissions receivable, which is presented by segment in Note 3 – Supplemental Financial Statement Information , our CODM does not separately evaluate assets by segment, and therefore, assets by segment are not presented. Geographic Information Our long-lived assets primarily consist of property and equipment and internally-developed software. Our long-lived assets are attributed to the geographic location in which they are located. Long-lived assets by geographical area are summarized as follows (in thousands): March 31, 2020 December 31, 2019 United States $ 99,297 $ 64,408 China 418 471 Total $ 99,715 $ 64,879 Significant Customers Substantially all revenue for the three months ended March 31, 2020 and 2019 was generated from customers located in the United States. Carriers representing 10% or more of our total revenue for the three months ended March 31, 2020 and 2019 are presented in the table below: Three Months Ended March 31, 2020 2019 UnitedHealthcare (1) 22 % 17 % Humana 19 % 23 % Aetna (2) 15 % 17 % (1) UnitedHealthcare also includes other carriers owned by UnitedHealthcare. (2) Aetna also includes other carriers owned by Aetna.

Leases

Leases	3 Months Ended
	Mar. 31, 2020
Leases [Abstract]
Leases	Leases We have operating and finance leases for our corporate offices and certain equipment. Our leases have remaining lease terms of 1 to 10 years. Our operating lease expense recognized under ASC 842 for the three months ended March 31, 2020 and 2019 were $2.1 million and $1.3 million, respectively. Our cash outflows related to operating leases were $1.6 million and $0.9 million for the three months ended March 31, 2020 and 2019, respectively. During the three months ended March 31, 2020, we had non-cash investing activities of $7.1 million relating to right-of-use assets on the Condensed Consolidated Statements of Cash Flows. Supplemental information as of March 31, 2020 related to leases is as follows (in thousands): Operating lease right-of-use assets $ 43,396 Operating lease liabilities $ 46,166 Weighted-average remaining lease term of operating leases 7.9 years Weighted-average discount rate used to recognize operating lease right-of-use-assets 5.5 % As of March 31, 2020, maturities of operating lease liabilities are as follows (in thousands): Year ending December 31, Reminder of 2020 $ 5,058 2021 6,950 2022 6,988 2023 7,863 2024 7,706 Thereafter 27,603 Total lease payments 62,168 Less imputed interest (16,002) Total $ 46,166 Operating Lease Obligations We lease our operating facilities and certain of our equipment, furniture and fixtures under various operating leases, the latest of which expires in January 2030. Certain of these leases have free or escalating rent payment provisions. We recognize rent expense on our operating leases on a straight-line basis over the terms of the leases, although actual cash payment obligations under certain of these agreements fluctuate over the terms of the agreements.

Debt

Debt	3 Months Ended
	Mar. 31, 2020
Debt Disclosure [Abstract]
Debt	Debt On September 17, 2018, we entered into a Credit Agreement with Royal Bank of Canada (“RBC”), as administrative agent and collateral agent (the “Credit Agreement”). The Credit Agreement provides for a $40.0 million secured asset-backed revolving credit facility with a $5.0 million letter of credit sub-facility. On December 20, 2019, we amended our revolving credit facility agreement with RBC (the “Amendment”) and increased the borrowing amount from $40.0 to $75.0 million. The maturity date has been extended to December 20, 2022. The borrowing base under the Credit Agreement is comprised of an amount equal to (a) the lesser of (i) eighty percent (80%) of Eligible Commissions Receivables (as defined in the Credit Agreement) we actually collected by during the immediately preceding period of three months or (ii) eighty percent (80%) of our Eligible Commission Receivables for the immediately succeeding period of three months, plus (b) fifty percent (50%) of our Eligible Commission Receivables for the immediately succeeding period of six months (excluding the immediately succeeding period of three months), in each case subject to reserves established by RBC (the “Borrowing Base”). The proceeds of the loans under the Credit Agreement may be used for working capital and general corporate purposes. The borrowers have the right to prepay the loans under the Credit Agreement in whole or in part at any time without penalty. Subject to availability under the Borrowing Base, amounts repaid may be reborrowed. Amounts not borrowed under the Credit Agreement will be subject to a commitment fee of 0.5% per annum on the daily unused portion of the credit facility, to be paid in arrears on the first business day of each calendar quarter. At closing, the Company paid a one-time facility fee of 1.75% of the total commitments of $40 million. We also paid a one-time closing fee of 0.5% of the new commitment of $75.0 million in connection with the Amendment. The Company is also obligated to pay other customary administration fees for a credit facility of this size and type. The availability under the credit facility is up to the lesser of $40 million or the Borrowing Base, which may be reduced from time to time pursuant to the Credit Agreement. The Amendment increased the availability up to the lesser of $75.0 million or the Borrowing Base, which may be reduced from time to time pursuant to the Credit Agreement. Financial covenants in the original Credit Agreement required that we maintain Excess Availability (as defined in the Credit Agreement) at or above $6 million at any time. The Amendment also changed the financial covenants to require us to maintain at least $6.0 million of Excess Availability at all times or, if greater, up to $11.3 million depending on our borrowing base as determined by eligible past and future commission receivables. In addition, the Amendment also included changes in the payment conditions to, among other things, require us to have at least $10.0 million of liquidity or, if greater, up to $18.8 million depending on our borrowing base as determined by eligible past and future commission receivables, in order for us to make certain permitted acquisitions, investments, distributions and payments of indebtedness. The Amendment also stated the seasonal amount thresholds used in connection with the cash dominion and field examination covenants in the Credit Agreement. We incurred $1.2 million of issuance costs in connection with the Credit Agreement, which were capitalized as part of Other assets on our Consolidated Balance Sheet of the period we entered into the Credit Agreement. The Amendment did not change the interest rate. In connection with this Amendment, we incurred closing costs totaling $0.5 million, which was capitalized and recorded as Other assets on our Consolidated Balance Sheet as of December 31, 2019. The remaining balance of unamortized issuance costs was $1.1 million as of March 31, 2020 and December 31, 2019.

Income Taxes

Income Taxes	3 Months Ended
	Mar. 31, 2020
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The Coronavirus Aid, Relief and Economic Security ("CARES") Act was signed into law on March 27, 2020. The business tax provisions of the CARES Act include temporary changes to income based tax laws, including the ability to utilize net operating losses, interest expense deductions, alternative minimum tax credit refunds, charitable contributions, and depreciation of qualified improvement property. The income tax provisions of the CARES Act do not have a material impact on our Condensed Consolidated Financial Statements for the period ended March 31, 2020. The following table summarizes our benefit from income taxes and our effective tax rates for the three months ended March 31, 2020 and 2019 (in thousands, except effective tax rate): Three Months Ended March 31, 2020 2019 Income (loss) before benefit from income taxes $ 1,404 $ (8,626) Benefit from income taxes (2,048) (3,467) Effective tax rate (145.9) % 40.2 % For the three months ended March 31, 2020, we recognized a benefit from income taxes of $2.0 million, representing an effective tax rate of (145.9)%, which was lower than the statutory federal tax rate primarily due to stock-based compensation windfalls. For the three months ended March 31, 2019, we recognized a benefit from income taxes of $3.5 million, representing an effective tax rate of 40.2%, which was higher than the statutory federal tax rate due primarily to stock-based compensation adjustments, non-deductible lobbying expenses and foreign income inclusions, partially offset by research and development credits.

Summary of Business and Signi_2

Summary of Business and Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2020
Accounting Policies [Abstract]
Description of Business	Description of Business – eHealth, Inc. (the “Company,” “eHealth,” “we” or “us”) is a leading health insurance marketplace with a technology and service platform that provides consumer engagement, education and health insurance enrollment solutions. Our mission is to connect every person with the highest quality, most affordable health insurance and Medicare plans for their life circumstances. Our platform integrates proprietary and third-party developed educational content regarding health insurance plans with decision support tools to aid consumers in what has traditionally been a confusing and opaque health insurance purchasing process, and to help them obtain the health insurance products that meet their individual health and economic needs. Our omni-channel consumer engagement platform is designed to meet the consumer wherever they prefer to engage with us, and enables consumers to use our services online, through interactive chat, or by telephone with a licensed insurance agent. We have 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 from over 180 health insurance carriers across all fifty states and the District of Columbia.
Basis of Presentation	Basis of Presentation – The accompanying condensed consolidated balance sheets as of March 31, 2020 and December 31, 2019, and the condensed consolidated statements of comprehensive income (loss), stockholders' equity, and cash flows for the three months ended March 31, 2020 and 2019, respectively, are unaudited. The condensed consolidated balance sheet data as of December 31, 2019 was derived from the audited consolidated financial statements included in our Annual Report on Form 10-K for the year ended December 31, 2019, which was filed with the Securities and Exchange Commission on March 2, 2020. The accompanying financial statements and related notes should be read in conjunction with the audited consolidated financial statements and related notes included in our Annual Report on Form 10-K. The accompanying condensed consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles ("U.S. GAAP") for interim financial information and reflect all normal recurring adjustments that are necessary to present fairly the results for the interim periods presented. The condensed consolidated financial statements include the accounts of eHealth, Inc. and its wholly-owned subsidiaries. All intercompany accounts and transactions have been eliminated in consolidation. Certain information and disclosures normally included in financial statements prepared in accordance with U.S. GAAP have been condensed or omitted in accordance with those rules and regulations. Certain reclassifications might be made to conform with the current presentation. However, the Company believes that the disclosures made are adequate to make the information not misleading. The unaudited condensed consolidated financial statements have been prepared on the same basis as the audited consolidated financial statements in our Annual Report on Form 10-K for the year ended December 31, 2019 and include all adjustments necessary for the fair presentation of our financial position as of March 31, 2020 and December 31, 2019, and our results of operations for the periods presented. Our financial position as of March 31, 2020 and results of operations and cash flows for the three months ended March 31, 2020 were not materially impacted by the COVID-19 pandemic but the Company is continuously assessing the evolving situation related to the pandemic. The results for the three months ended March 31, 2020 are not necessarily indicative of the results to be expected for any subsequent period or for the year ending December 31, 2020 and therefore should not be relied upon as an indicator of future results.
Significant Accounting Policies, Estimates and Judgements	Significant Accounting Polices, Estimates and Judgements – The preparation of condensed consolidated financial statements and related disclosures in conformity with U.S. GAAP requires management to make estimates, judgments and assumptions that affect the amounts reported and disclosed in the condensed consolidated financial statements and accompanying notes. On an ongoing basis, we evaluate our estimates, including those related to, but not limited to, the commissions we expect to collect for each approved member cohort, allowance for credit loss, the useful lives of intangible assets, fair value of investments, recoverability of intangible assets, valuation allowance for deferred income taxes, provision (benefit) for income taxes and the assumptions used in determining stock-based compensation. We base our estimates of the carrying value of certain assets and liabilities on historical experience and on various other assumptions that we believe to be reasonable. Actual results may differ from these estimates. With the exception of the change for the accounting of credit losses as a result of the adoption of Accounting Standard Updates ("ASU") No. 2016-13, Financial Instruments – Credit Losses discussed below, there have been no material changes to our significant accounting policies discussed in our Annual Report on Form 10-K for the year ended December 31, 2019.
Seasonality	Seasonality – A greater number of our Medicare-related health insurance plans are sold in our fourth quarter during the Medicare annual enrollment period when Medicare-eligible individuals are permitted to change their Medicare Advantage, Medicare Supplement, and Medicare Part D prescription drug coverage for the following year. As a result, our Medicare plan-related commission revenue is highest in our fourth quarter. Due to the recent reintroduction of the Medicare Advantage open enrollment period that takes place in the first quarter of the year, our commission revenue is typically second-highest in our first quarter. The majority of our major medical individual and family health insurance plans are sold in the fourth quarter during the annual open enrollment period under the federal Patient Protection and Affordable Care Act and related amendments in the Health Care and Education Reconciliation Act. Individuals and families generally are not able to purchase major medical individual and family health insurance outside of the open enrollment period, unless they qualify for a special enrollment period as a result of certain qualifying events, such as losing employer-sponsored health insurance or moving to another state.
Recently Adopted Accounting Pronouncement; Accounting Pronouncements Not Yet Adopted	Recently Adopted Accounting Pronouncement Financial Instruments – Credit Losses (Topic 326) – In June 2016, the Financial Accounting Standards Board (“FASB”) issued ASU No. 2016-13, Financial Instruments – Credit Losses (Topic 326), that requires companies to present certain financial assets net of the amount expected to be collected. The guidance requires the measurement of expected credit losses to be based on relevant information from past events, including historical experiences, current conditions and reasonable and supportable forecasts that affect collectability. Contract assets – commissions receivable are the Company's only financial assets that were materially impacted by this guidance. We adopted ASU 2016-13 using a modified retrospective transition method on January 1, 2020 for all financial assets measured at amortized cost. Results for periods after January 1, 2020 are presented under ASU 2016-13 while prior period amounts continue to be reported under the previous accounting standards. We recorded a $1.1 million decrease, net of income taxes, to the retained earnings as of January 1, 2020 for the cumulative effect of adopting ASU 2016-13. See Note 3 – Supplemental Financial Statement Information for further discussion on credit losses. T he impacts from the adoption are summarized as follows (in thousands): Balance Sheet Impact: December 31, 2019 Transition Adjustments January 1, 2020 Contract assets – commissions receivable – current $ 174,526 $ (71) $ 174,455 Contract assets – commissions receivable – non-current $ 414,696 $ (1,442) $ 413,254 Other assets* $ 18,004 $ 366 $ 18,370 Total assets $ 741,634 $ (1,147) $ 740,487 Retained earnings $ 271,852 $ (1,147) $ 270,705 ____________ * Adjustment to Other assets is related to the increase in deferred tax asset resulted from the adoption of the accounting guidance. Financial Instruments (Topic 820) – In 2018, the FASB issued ASU No. 2018-13, to change the disclosure requirements for fair value measurement with the objective of improving the effectiveness of the notes to financial statements. This new guidance removed and modified certain disclosure requirements under Topic 820. We adopted this guidance in the first quarter of 2020 with no material impact on our condensed consolidated financial statements. Intangible – Goodwill and Other (Topic 350) – In 2017, the FASB issued ASU 2017-04 to simplify the subsequent measurement of goodwill by removing the requirement to perform a hypothetical purchase price allocation to compute the implied fair value of goodwill to measure impairment. Instead, any goodwill impairment will equal the amount by which a reporting unit’s carrying value exceeds its fair value, not to exceed the carrying amount of goodwill. In addition, the guidance eliminates the requirements for any reporting unit with a zero or negative carrying amount to perform a qualitative assessment and, if it fails that qualitative test, to perform Step 2 of the goodwill impairment test. This standard is effective for annual or any interim goodwill impairment test in fiscal years beginning after December 15, 2019. We adopted this guidance in the first quarter of 2020 with no material impact on our condensed consolidated financial statements. Accounting Pronouncements Not Yet Adopted Income Taxes (Topic 740) – In December 2019, the FASB issued ASU No. 2019-12, Income Tax, Simplifying the Accounting for Income Taxes , which aims to simplify the accounting for income taxes by removing certain exceptions to the general principles in Topic 740 and improve consistent application of and simplify U.S. GAAP for other areas under this Topic by clarifying existing guidance. ASU 2019-12 will be effective for us beginning January 1, 2021. The amendments in this standard update have individually different adoption approaches. We do not anticipate a material impact on our consolidated financial statements and disclosure from the adoption of this standard update.

Summary of Business and Signi_3

Summary of Business and Significant Accounting Policies (Tables)	3 Months Ended
	Mar. 31, 2020
Accounting Policies [Abstract]
Summary of Adoption of ASU 2016-13	T he impacts from the adoption are summarized as follows (in thousands): Balance Sheet Impact: December 31, 2019 Transition Adjustments January 1, 2020 Contract assets – commissions receivable – current $ 174,526 $ (71) $ 174,455 Contract assets – commissions receivable – non-current $ 414,696 $ (1,442) $ 413,254 Other assets* $ 18,004 $ 366 $ 18,370 Total assets $ 741,634 $ (1,147) $ 740,487 Retained earnings $ 271,852 $ (1,147) $ 270,705 ____________ * Adjustment to Other assets is related to the increase in deferred tax asset resulted from the adoption of the accounting guidance.

Revenue (Tables)

Revenue (Tables)	3 Months Ended
	Mar. 31, 2020
Revenue from Contract with Customer [Abstract]
Disaggregation of Revenue by Segment	Disaggregation of Revenue – The table below disaggregates our revenue by product (in thousands): Three Months Ended March 31, 2020 2019 Medicare Medicare Advantage $ 68,347 $ 39,843 Medicare Supplement 15,170 8,597 Medicare Part D 5,661 2,336 Total Medicare 89,178 50,776 Individual and Family (1) Non-Qualified Health Plans 1,446 2,629 Qualified Health Plans 1,210 3,508 Total Individual and Family 2,656 6,137 Ancillary Short-term 2,216 1,316 Dental 743 790 Vision 243 462 Other 1,049 951 Total Ancillary 4,251 3,519 Small Business 2,971 2,640 Commission Bonus 613 1,155 Total Commission Revenue 99,669 64,227 Other Revenue 6,739 4,546 Total Revenue $ 106,408 $ 68,773 _____________ (1) We define our individual and family plan offerings as major medical individual and family health insurance plans, which does not include Medicare-related, small business or ancillary plans. Individual and family health insurance plans include both qualified and non-qualified plans. Qualified health plans are individual and family health insurance plans that meet the requirements of the Affordable Care Act and are offered through the government-run health insurance exchange in the relevant jurisdiction. Non-qualified health plans are individual and family health insurance plans that meet the requirements of the Affordable Care Act and are not offered through the exchange in the relevant jurisdiction. Individuals that purchase non-qualified health plans cannot receive a subsidy in connection with the purchase of non-qualified plans. Commission revenue by segment is presented in the table below (in thousands): Three Months Ended March 31, 2020 2019 Medicare Commission Revenue from Members Approved During the Period (1) $ 81,125 $ 50,582 Net Commission Revenue from Members Approved in Prior Periods (2) 8,979 1,067 Total Medicare Segment Commission Revenue $ 90,104 $ 51,649 Individual, Family and Small Business Commission Revenue from Members Approved During the Period (1) $ 5,796 $ 6,225 Net Commission Revenue from Members Approved in Prior Periods (2) 3,769 6,353 Total IFP/SMB Segment Commission Revenue $ 9,565 $ 12,578 _____________ (1) These amounts include commission bonus revenue. (2) These amounts reflect our revised estimates of cash collections for certain members approved prior to the relevant reporting period that are recognized as adjustment revenue within the relevant reporting period. These amounts include revenue associated with renewing small business health insurance members. Adjustment revenue also includes reductions to revenue for certain prior periods cohorts which were immaterial for the three months ended March 31, 2020 and 2019, respectively.

Supplemental Financial Statem_2

Supplemental Financial Statement Information (Tables)	3 Months Ended
	Mar. 31, 2020
Balance Sheet Related Disclosures [Abstract]
Schedule Of Cash, Cash Equivalents and Restricted Cash	As of March 31, 2020 and December 31, 2019, our cash, cash equivalent and restricted cash balances were invested as follows (in thousands): March 31, 2020 December 31, 2019 Cash $ 16,364 $ 16,205 Cash equivalents 167,803 7,261 Restricted cash 3,353 3,354 Total cash, cash equivalents and restricted cash $ 187,520 $ 26,820
Schedule of Cash, Cash Equivalents and Restricted Cash	As of March 31, 2020 and December 31, 2019, our cash, cash equivalent and restricted cash balances were invested as follows (in thousands): March 31, 2020 December 31, 2019 Cash $ 16,364 $ 16,205 Cash equivalents 167,803 7,261 Restricted cash 3,353 3,354 Total cash, cash equivalents and restricted cash $ 187,520 $ 26,820
Schedule of Accounts Receivable	Our contract assets and accounts receivable consisted of the following for the periods presented (in thousands): March 31, 2020 December 31, 2019 Contract assets – commissions receivable – current $ 125,252 $ 174,526 Contract assets – commissions receivable – non-current 435,465 414,696 Accounts receivable 668 2,332 Total contract assets and accounts receivable $ 561,385 $ 591,554
Schedule of Contract Assets - Commissions Receivable	Our contract assets – commission receivable activities, net of credit losses are summarized as follows (in thousands): Three Months Ended March 31, 2020 Medicare Segment IFP/SMB Segment Total Beginning balance $ 550,922 $ 38,300 $ 589,222 Commission revenue from members approved during the period 81,125 5,796 86,921 Net commission revenue adjustments from members approved in prior period 8,979 3,769 12,748 Cash receipts (112,731) (13,811) (126,542) Change in credit loss allowance* (1,574) (58) (1,632) Ending balance $ 526,721 $ 33,996 $ 560,717 Three Months Ended March 31, 2019 Medicare Segment IFP/SMB Segment Total Beginning balance $ 311,977 $ 33,881 $ 345,858 Commission revenue from members approved during the period 50,582 6,225 56,807 Net commission revenue adjustments from members approved in prior period 1,067 6,353 7,420 Cash receipts (67,873) (14,001) (81,874) Change in credit loss allowance — — — Ending balance $ 295,753 $ 32,458 $ 328,211 _____________ * Amount consists of transition adjustment of $1.5 million related to the adoption of ASC 326 as of January 1, 2020 and the subsequent credit loss adjustment of $0.1 million as of March 31, 2020. See Note 1 – Summary of Business and Significant Accounting Policies for details regarding the adoption impact.
Schedule of Credit Risk	Carriers that represented 10% or more of our total contract assets and accounts receivable balance are summarized as of the dates presented below: March 31, 2020 December 31, 2019 Humana 22 % 22 % Aetna (1) 21 % 20 % UnitedHealthCare (2) 20 % 20 % _____________ (1) Aetna also includes other carriers owned by Aetna.
Schedule Of Prepaid Expenses And Other Current Assets	Prepaid expenses and other current assets are summarized as follows (in thousands): March 31, 2020 December 31, 2019 Prepaid maintenance contracts 5,460 3,853 Prepaid expenses 1,727 2,207 Prepaid insurance 543 918 Income tax receivable 1,041 584 Other 431 260 Prepaid expenses and other current assets 9,202 7,822

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	3 Months Ended
	Mar. 31, 2020
Fair Value Disclosures [Abstract]
Fair Value Measurements	We classify the inputs used to measure fair value into the following hierarchy: Level 1 Unadjusted quoted prices in active markets for identical assets or liabilities; Level 2 Unadjusted quoted prices in active markets for similar assets or liabilities; or unadjusted quoted prices for identical or similar assets or liabilities in markets that are not active; or inputs other than quoted prices that are observable for the asset or liability; and Level 3 Unobservable inputs for the asset or liability.
Summary of Financial Assets Measured at Fair Value on a Recurring Basis	Our financial assets and liabilities measured at fair value on a recurring basis are summarized below by their classification within the fair value hierarchy for the period presented below (in thousands): March 31, 2020 Carrying Value Level 1 Level 2 Level 3 Total Assets Cash equivalents Money market funds $ 105,798 $ 105,798 $ — $ — $ 105,798 Commercial paper 62,005 — 62,005 — 62,005 Short-term marketable securities Commercial paper 23,063 — 23,063 — 23,063 Agency bonds 10,620 — 10,620 — 10,620 Long-term marketable securities Agency bonds 24,409 — 24,409 — 24,409 Total assets measured and recorded at fair value $ 225,895 $ 105,798 $ 120,097 $ — $ 225,895 December 31, 2019 Carrying Value Level 1 Level 2 Level 3 Total Assets Cash equivalents Money market funds $ 7,261 $ 7,261 $ — $ — $ 7,261 Liabilities Earnout liability – current $ 37,273 $ — $ — $ 37,273 $ 37,273
Summary of Financial Liabilities Measured at Fair Value on a Recurring Basis	Our financial assets and liabilities measured at fair value on a recurring basis are summarized below by their classification within the fair value hierarchy for the period presented below (in thousands): March 31, 2020 Carrying Value Level 1 Level 2 Level 3 Total Assets Cash equivalents Money market funds $ 105,798 $ 105,798 $ — $ — $ 105,798 Commercial paper 62,005 — 62,005 — 62,005 Short-term marketable securities Commercial paper 23,063 — 23,063 — 23,063 Agency bonds 10,620 — 10,620 — 10,620 Long-term marketable securities Agency bonds 24,409 — 24,409 — 24,409 Total assets measured and recorded at fair value $ 225,895 $ 105,798 $ 120,097 $ — $ 225,895 December 31, 2019 Carrying Value Level 1 Level 2 Level 3 Total Assets Cash equivalents Money market funds $ 7,261 $ 7,261 $ — $ — $ 7,261 Liabilities Earnout liability – current $ 37,273 $ — $ — $ 37,273 $ 37,273
Summary of Contractual Maturities	The following table summarizes our available-for-sale debt securities by contractual maturity (in thousands): As of March 31, 2020 Amortized Cost Fair Value Due in 1 year $ 201,482 $ 201,486 Due in 1 year through 5 years 24,388 24,409 Total $ 225,870 $ 225,895
Summary of Unrealized Gains and Losses	Unrealized gains and losses on available-for-sale debt securities are included in accumulated other comprehensive income and summarized as follows as of March 31, 2020: Amortized Cost Unrealized Gain Unrealized Loss Fair Value Cash equivalents Money market funds $ 105,798 $ — $ — $ 105,798 Commercial paper 62,005 — — 62,005 Short-term marketable securities Commercial paper 23,063 — — 23,063 Agency bonds 10,616 5 (1) 10,620 Long-term marketable securities Agency bonds 24,388 21 — 24,409 Total $ 225,870 $ 26 $ (1) $ 225,895
Summary of Earnout Liability Activity	Earnout liability activities are summarized as follows (in thousands): Balance as of December 31, 2019 $ 37,273 Change in fair value — Settlements (37,273) Balance as of March 31, 2020 $ —

Equity (Tables)

Equity (Tables)	3 Months Ended
	Mar. 31, 2020
Stockholders' Equity Note [Abstract]
Schedule Of Stock-Based Compensation Expense By Award Type	Our stock-based compensation expense is summarized as follows by award types (in thousands): Three Months Ended March 31, 2020 2019 Common stock options $ 306 $ 602 Restricted stock units 8,408 2,627 Total stock-based compensation expense $ 8,714 $ 3,229
Schedule Of Stock-Based Compensation Expense By Operating Function	Our stock-based compensation expense is summarized as follows by operating functions (in thousands): Three Months Ended March 31, 2020 2019 Marketing and advertising $ 1,730 $ 629 Customer care and enrollment 662 273 Technology and content 1,617 549 General and administrative 4,705 1,778 Total stock-based compensation expense $ 8,714 $ 3,229

Net Income (Loss) Per Share (Ta

Net Income (Loss) Per Share (Tables)	3 Months Ended
	Mar. 31, 2020
Earnings Per Share [Abstract]
Schedule of Computation of Basic and Diluted Net Income per Share	The following table sets forth the computation of basic and diluted net income per share (in thousands, except per share amounts): Three Months Ended March 31, 2020 2019 Basic: Net income (loss) $ 3,452 $ (5,159) Shares used in per share calculation – basic 24,719 21,831 Net income (loss) per share – basic: $ 0.14 $ (0.24) Diluted: Net income (loss) $ 3,452 $ (5,159) Shares used in per share calculation – basic 24,719 21,831 Dilutive effect of common stock 1,460 — Total common stock shares used in diluted share calculation 26,179 21,831 Net income (loss) per share – diluted $ 0.13 $ (0.24)

Commitments and Contingencies (

Commitments and Contingencies (Tables)	3 Months Ended
	Mar. 31, 2020
Commitments and Contingencies Disclosure [Abstract]
Schedule of Future Minimum Rental Payments for Contractual Obligations	Our future minimum payments under non-cancellable contractual service and licensing obligations as of March 31, 2020 are summarized as follows (in thousands): For the Years Ending December 31, Service and Licensing Obligations Remainder of 2020 $ 1,961 2021 2,189 2022 692 2023 444 2024 229 Thereafter — Total $ 5,515

Segment and Geographic Inform_2

Segment and Geographic Information (Tables)	3 Months Ended
	Mar. 31, 2020
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	The following table presents summary results of our operating segments for the three months ended March 31, 2020 and 2019 (in thousands): Three Months Ended March 31, 2020 2019 Revenue: Medicare $ 96,151 $ 54,901 Individual, Family and Small Business 10,257 13,872 Total revenue $ 106,408 $ 68,773 Segment profit: Medicare segment profit $ 21,960 $ 10,826 Individual, Family and Small Business segment profit 2,603 6,024 Total segment profit 24,563 16,850 Corporate (13,448) (8,296) Stock-based compensation expense (8,714) (3,229) Change in fair value of earnout liability — (13,306) Depreciation and amortization (823) (655) Amortization of intangible assets (547) (547) Other income, net 373 557 Income (loss) before benefit from income taxes $ 1,404 $ (8,626)
Schedule Of Long Lived Assets By Geographical Areas	Long-lived assets by geographical area are summarized as follows (in thousands): March 31, 2020 December 31, 2019 United States $ 99,297 $ 64,408 China 418 471 Total $ 99,715 $ 64,879
Schedule Of Revenue By Major Customers	Carriers representing 10% or more of our total revenue for the three months ended March 31, 2020 and 2019 are presented in the table below: Three Months Ended March 31, 2020 2019 UnitedHealthcare (1) 22 % 17 % Humana 19 % 23 % Aetna (2) 15 % 17 % (1) UnitedHealthcare also includes other carriers owned by UnitedHealthcare. (2) Aetna also includes other carriers owned by Aetna.

Leases (Tables)

Leases (Tables)	3 Months Ended
	Mar. 31, 2020
Leases [Abstract]
Schedule of Supplemental Balance Sheet Information	Supplemental information as of March 31, 2020 related to leases is as follows (in thousands): Operating lease right-of-use assets $ 43,396 Operating lease liabilities $ 46,166 Weighted-average remaining lease term of operating leases 7.9 years Weighted-average discount rate used to recognize operating lease right-of-use-assets 5.5 %
Schedule of Operating Lease Maturities	As of March 31, 2020, maturities of operating lease liabilities are as follows (in thousands): Year ending December 31, Reminder of 2020 $ 5,058 2021 6,950 2022 6,988 2023 7,863 2024 7,706 Thereafter 27,603 Total lease payments 62,168 Less imputed interest (16,002) Total $ 46,166

Income Taxes (Tables)

Income Taxes (Tables)	3 Months Ended
	Mar. 31, 2020
Income Tax Disclosure [Abstract]
Schedule Of Components Of Income Tax Expense	The following table summarizes our benefit from income taxes and our effective tax rates for the three months ended March 31, 2020 and 2019 (in thousands, except effective tax rate): Three Months Ended March 31, 2020 2019 Income (loss) before benefit from income taxes $ 1,404 $ (8,626) Benefit from income taxes (2,048) (3,467) Effective tax rate (145.9) % 40.2 %

Summary of Business and Signi_4

Summary of Business and Significant Accounting Policies - Narrative (Details) $ in Thousands	Mar. 31, 2020USD ($)numberOfInsuranceCarriersstate		Jan. 01, 2020USD ($)	Dec. 31, 2019USD ($)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Number of health insurance carriers (more than) | numberOfInsuranceCarriers	180
Number of states in which the Company is licensed to market and sell health insurance | state	50
Decrease in retained earnings	$ 274,157	[1]		$ 271,852
Transition Adjustments
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Decrease in retained earnings			$ (1,147)
[1]	Reflects the impact from the adoption of ASC 326 on January 1, 2020. See Note 1 – Summary of Business and Significant Accounting Policies for details.

Summary of Business and Signi_5

Summary of Business and Significant Accounting Policies - Adoption of ASU 2016-13 (Details) - USD ($) $ in Thousands	Mar. 31, 2020	[1]	Jan. 01, 2020	Dec. 31, 2019
Balance Sheet Impact
Contract assets – commissions receivable – current	$ 125,252			$ 174,526
Contract assets – commissions receivable – non-current	435,465			414,696
Other assets	19,300			18,004
Total assets	941,519			741,634
Retained earnings	$ 274,157			$ 271,852
Transition Adjustments
Balance Sheet Impact
Contract assets – commissions receivable – current			$ (71)
Contract assets – commissions receivable – non-current			(1,442)
Other assets			366
Total assets			(1,147)
Retained earnings			(1,147)
Adjusted Balance
Balance Sheet Impact
Contract assets – commissions receivable – current			174,455
Contract assets – commissions receivable – non-current			413,254
Other assets			18,370
Total assets			740,487
Retained earnings			$ 270,705
[1]	Reflects the impact from the adoption of ASC 326 on January 1, 2020. See Note 1 – Summary of Business and Significant Accounting Policies for details.

Revenue - Additional Informatio

Revenue - Additional Information (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Disaggregation of Revenue [Line Items]
Total revenue	$ 106,408	$ 68,773
Earnings per share, basic (in usd per share)	$ 0.14	$ (0.24)
Earnings per share, diluted (in usd per share)	$ 0.13	$ (0.24)
Medicare
Disaggregation of Revenue [Line Items]
Total revenue	$ 89,178	$ 50,776
Individual and Family
Disaggregation of Revenue [Line Items]
Total revenue	2,656	6,137
Ancillary
Disaggregation of Revenue [Line Items]
Total revenue	4,251	3,519
Commission, Members Approved In Prior Periods
Disaggregation of Revenue [Line Items]
Total revenue	$ 12,748	$ 7,420
Earnings per share, basic (in usd per share)	$ 0.52	$ 0.34
Earnings per share, diluted (in usd per share)	$ 0.49	$ 0.34
Product Concentration Risk | Revenue | Medicare
Disaggregation of Revenue [Line Items]
Commission revenue, percentage	89.00%	79.00%
Medicare Advantage | Medicare
Disaggregation of Revenue [Line Items]
Average plan duration	3 years
Total revenue	$ 68,347	$ 39,843
Medicare Part D | Medicare
Disaggregation of Revenue [Line Items]
Average plan duration	5 years
Total revenue	$ 5,661	2,336
Medicare Supplement | Medicare
Disaggregation of Revenue [Line Items]
Average plan duration	5 years
Total revenue	$ 15,170	8,597
Other | Ancillary
Disaggregation of Revenue [Line Items]
Total revenue	$ 1,049	$ 951
Minimum | Individual and Family
Disaggregation of Revenue [Line Items]
Average plan duration	1 year 6 months
Minimum | Other | Ancillary
Disaggregation of Revenue [Line Items]
Average plan duration	1 year
Maximum | Individual and Family
Disaggregation of Revenue [Line Items]
Average plan duration	2 years
Maximum | Medicare Advantage | Medicare
Disaggregation of Revenue [Line Items]
Average plan duration	12 years
Maximum | Other | Ancillary
Disaggregation of Revenue [Line Items]
Average plan duration	3 years

Revenue - Commission Revenue by

Revenue - Commission Revenue by Segment (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Disaggregation of Revenue [Line Items]
Total revenue	$ 106,408	$ 68,773
Commission
Disaggregation of Revenue [Line Items]
Total revenue	99,669	64,227
Commission revenue from members approved during the period
Disaggregation of Revenue [Line Items]
Total revenue	86,921	56,807
Net commission revenue adjustments from members approved in prior period
Disaggregation of Revenue [Line Items]
Total revenue	12,748	7,420
Medicare | Commission
Disaggregation of Revenue [Line Items]
Total revenue	90,104	51,649
Medicare | Commission revenue from members approved during the period
Disaggregation of Revenue [Line Items]
Total revenue	81,125	50,582
Medicare | Net commission revenue adjustments from members approved in prior period
Disaggregation of Revenue [Line Items]
Total revenue	8,979	1,067
Individual, Family and Small Business | Commission
Disaggregation of Revenue [Line Items]
Total revenue	9,565	12,578
Individual, Family and Small Business | Commission revenue from members approved during the period
Disaggregation of Revenue [Line Items]
Total revenue	5,796	6,225
Individual, Family and Small Business | Net commission revenue adjustments from members approved in prior period
Disaggregation of Revenue [Line Items]
Total revenue	$ 3,769	$ 6,353

Revenue - Disaggregation of Rev

Revenue - Disaggregation of Revenue (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Disaggregation of Revenue [Line Items]
Total revenue	$ 106,408	$ 68,773
Medicare
Disaggregation of Revenue [Line Items]
Total revenue	89,178	50,776
Medicare | Medicare Advantage
Disaggregation of Revenue [Line Items]
Total revenue	68,347	39,843
Medicare | Medicare Supplement
Disaggregation of Revenue [Line Items]
Total revenue	15,170	8,597
Medicare | Medicare Part D
Disaggregation of Revenue [Line Items]
Total revenue	5,661	2,336
Individual and Family
Disaggregation of Revenue [Line Items]
Total revenue	2,656	6,137
Individual and Family | Non-Qualified Health Plans
Disaggregation of Revenue [Line Items]
Total revenue	1,446	2,629
Individual and Family | Qualified Health Plans
Disaggregation of Revenue [Line Items]
Total revenue	1,210	3,508
Ancillary
Disaggregation of Revenue [Line Items]
Total revenue	4,251	3,519
Ancillary | Short-term
Disaggregation of Revenue [Line Items]
Total revenue	2,216	1,316
Ancillary | Dental
Disaggregation of Revenue [Line Items]
Total revenue	743	790
Ancillary | Vision
Disaggregation of Revenue [Line Items]
Total revenue	243	462
Ancillary | Other
Disaggregation of Revenue [Line Items]
Total revenue	1,049	951
Small Business
Disaggregation of Revenue [Line Items]
Total revenue	2,971	2,640
Commission Bonus
Disaggregation of Revenue [Line Items]
Total revenue	613	1,155
Commission
Disaggregation of Revenue [Line Items]
Total revenue	99,669	64,227
Other
Disaggregation of Revenue [Line Items]
Total revenue	$ 6,739	$ 4,546

Supplemental Financial Statem_3

Supplemental Financial Statement Information- Schedule of Cash, Cash Equivalents and Restricted Cash (Details) - USD ($) $ in Thousands	Mar. 31, 2020		Dec. 31, 2019	Mar. 31, 2019	Dec. 31, 2018
Balance Sheet Related Disclosures [Abstract]
Cash	$ 16,364		$ 16,205
Cash equivalents	167,803		7,261
Restricted cash	3,353	[1]	3,354
Total cash, cash equivalents and restricted cash	$ 187,520		$ 26,820	$ 135,475	$ 13,089
[1]	Reflects the impact from the adoption of ASC 326 on January 1, 2020. See Note 1 – Summary of Business and Significant Accounting Policies for details.

Supplemental Financial Statem_4

Supplemental Financial Statement Information - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020		Dec. 31, 2019
Balance Sheet Related Disclosures [Abstract]
Restricted cash	$ 3,353	[1]	$ 3,354
Credit loss expense	100
China
Cash and Cash Equivalents [Line Items]
Deposits	$ 4,100
[1]	Reflects the impact from the adoption of ASC 326 on January 1, 2020. See Note 1 – Summary of Business and Significant Accounting Policies for details.

Supplemental Financial Statem_5

Supplemental Financial Statement Information - Schedule of Accounts Receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2020		Dec. 31, 2019
Balance Sheet Related Disclosures [Abstract]
Contract assets – commissions receivable – current	$ 125,252	[1]	$ 174,526
Contract assets – commissions receivable – non-current	435,465	[1]	414,696
Accounts receivable	668	[1]	2,332
Total contract assets and accounts receivable	$ 561,385		$ 591,554
[1]	Reflects the impact from the adoption of ASC 326 on January 1, 2020. See Note 1 – Summary of Business and Significant Accounting Policies for details.

Supplemental Financial Statem_6

Supplemental Financial Statement Information - Schedule of Commissions Receivable (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Change in Contract with Customer, Asset [Roll Forward]
Beginning balance	$ 589,222	$ 345,858
Total revenue	106,408	68,773
Cash receipts	(126,542)	(81,874)
Change in credit loss allowance	(1,632)	0
Ending balance	560,717	328,211
Credit loss expense	100
Medicare
Change in Contract with Customer, Asset [Roll Forward]
Beginning balance	550,922	311,977
Cash receipts	(112,731)	(67,873)
Change in credit loss allowance	(1,574)	0
Ending balance	526,721	295,753
Individual, Family and Small Business
Change in Contract with Customer, Asset [Roll Forward]
Beginning balance	38,300	33,881
Cash receipts	(13,811)	(14,001)
Change in credit loss allowance	(58)	0
Ending balance	33,996	32,458
Transition Adjustments
Change in Contract with Customer, Asset [Roll Forward]
Allowance for credit loss			$ (1,500)
Commission revenue from members approved during the period
Change in Contract with Customer, Asset [Roll Forward]
Total revenue	86,921	56,807
Commission revenue from members approved during the period | Medicare
Change in Contract with Customer, Asset [Roll Forward]
Total revenue	81,125	50,582
Commission revenue from members approved during the period | Individual, Family and Small Business
Change in Contract with Customer, Asset [Roll Forward]
Total revenue	5,796	6,225
Net commission revenue adjustments from members approved in prior period
Change in Contract with Customer, Asset [Roll Forward]
Total revenue	12,748	7,420
Net commission revenue adjustments from members approved in prior period | Medicare
Change in Contract with Customer, Asset [Roll Forward]
Total revenue	8,979	1,067
Net commission revenue adjustments from members approved in prior period | Individual, Family and Small Business
Change in Contract with Customer, Asset [Roll Forward]
Total revenue	$ 3,769	$ 6,353

Supplemental Financial Statem_7

Supplemental Financial Statement Information - Schedule of Credit Risk (Details) - Customer Concentration Risk - Accounts Receivable	3 Months Ended	12 Months Ended
	Mar. 31, 2020	Dec. 31, 2019
Humana
Concentration Risk [Line Items]
Major customer revenue, percentage	22.00%	22.00%
Aetna
Concentration Risk [Line Items]
Major customer revenue, percentage	21.00%	20.00%
UnitedHealthcare
Concentration Risk [Line Items]
Major customer revenue, percentage	20.00%	20.00%

Supplemental Financial Statem_8

Supplemental Financial Statement Information - Schedule of Prepaid Expenses and Other Current Assets (Details) - USD ($) $ in Thousands	Mar. 31, 2020		Dec. 31, 2019
Balance Sheet Related Disclosures [Abstract]
Prepaid maintenance contracts	$ 5,460		$ 3,853
Prepaid expenses	1,727		2,207
Prepaid insurance	543		918
Income tax receivable	1,041		584
Other	431		260
Prepaid expenses and other current assets	$ 9,202	[1]	$ 7,822
[1]	Reflects the impact from the adoption of ASC 326 on January 1, 2020. See Note 1 – Summary of Business and Significant Accounting Policies for details.

Fair Value Measurements - Summa

Fair Value Measurements - Summary of Financial Assets (Details) - USD ($) $ in Thousands	Mar. 31, 2020		Dec. 31, 2019
Assets
Short-term marketable securities	$ 33,683	[1]	$ 0
Long-term marketable securities	24,409	[1]	0
Liabilities
Earnout liability — current	0	[1]	37,273
Level 1 | Recurring
Assets
Total assets measured and recorded at fair value	105,798
Liabilities
Earnout liability — current			0
Level 2 | Recurring
Assets
Total assets measured and recorded at fair value	120,097
Liabilities
Earnout liability — current			0
Level 3 | Recurring
Assets
Total assets measured and recorded at fair value	0
Liabilities
Earnout liability — current			37,273
Carrying Value | Recurring
Assets
Total assets measured and recorded at fair value	225,895
Liabilities
Earnout liability — current			37,273
Fair Value | Recurring
Assets
Total assets measured and recorded at fair value	225,895
Liabilities
Earnout liability — current			37,273
Commercial paper
Assets
Short-term marketable securities	23,063
Commercial paper | Level 1 | Recurring
Assets
Short-term marketable securities	0
Commercial paper | Level 2 | Recurring
Assets
Short-term marketable securities	23,063
Commercial paper | Level 3 | Recurring
Assets
Short-term marketable securities	0
Commercial paper | Carrying Value | Recurring
Assets
Short-term marketable securities	23,063
Commercial paper | Fair Value | Recurring
Assets
Short-term marketable securities	23,063
Agency bonds
Assets
Short-term marketable securities	10,620
Long-term marketable securities	24,409
Agency bonds | Level 1 | Recurring
Assets
Short-term marketable securities	0
Long-term marketable securities	0
Agency bonds | Level 2 | Recurring
Assets
Short-term marketable securities	10,620
Long-term marketable securities	24,409
Agency bonds | Level 3 | Recurring
Assets
Short-term marketable securities	0
Long-term marketable securities	0
Agency bonds | Carrying Value | Recurring
Assets
Short-term marketable securities	10,620
Long-term marketable securities	24,409
Agency bonds | Fair Value | Recurring
Assets
Short-term marketable securities	10,620
Long-term marketable securities	24,409
Money market funds
Assets
Cash equivalents	105,798
Money market funds | Level 1 | Recurring
Assets
Cash equivalents	105,798		7,261
Money market funds | Level 2 | Recurring
Assets
Cash equivalents	0		0
Money market funds | Level 3 | Recurring
Assets
Cash equivalents	0		0
Money market funds | Carrying Value | Recurring
Assets
Cash equivalents	105,798		7,261
Money market funds | Fair Value | Recurring
Assets
Cash equivalents	105,798		$ 7,261
Commercial paper
Assets
Cash equivalents	62,005
Commercial paper | Level 1 | Recurring
Assets
Cash equivalents	0
Commercial paper | Level 2 | Recurring
Assets
Cash equivalents	62,005
Commercial paper | Level 3 | Recurring
Assets
Cash equivalents	0
Commercial paper | Carrying Value | Recurring
Assets
Cash equivalents	62,005
Commercial paper | Fair Value | Recurring
Assets
Cash equivalents	$ 62,005
[1]	Reflects the impact from the adoption of ASC 326 on January 1, 2020. See Note 1 – Summary of Business and Significant Accounting Policies for details.

Fair Value Measurements - Contr

Fair Value Measurements - Contractual Maturities (Details) $ in Thousands	Mar. 31, 2020USD ($)
Amortized Cost
Due in 1 year	$ 201,482
Due in 1 year through 5 years	24,388
Total	225,870
Fair Value
Due in 1 year	201,486
Due in 1 year through 5 years	24,409
Total	$ 225,895

Fair Value Measurements - Unrea

Fair Value Measurements - Unrealized Gains and Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2020		Dec. 31, 2019
Cash equivalents
Amortized Cost	$ 184,167	[1]	$ 23,466
Short-term marketable securities
Fair Value	33,683	[1]	0
Long-term marketable securities
Fair Value	24,409	[1]	$ 0
Total	225,870
Unrealized Gain	26
Unrealized Loss	(1)
Fair Value	225,895
Money market funds
Cash equivalents
Amortized Cost	105,798
Fair Value	105,798
Commercial paper
Cash equivalents
Amortized Cost	62,005
Fair Value	62,005
Commercial paper
Short-term marketable securities
Amortized Cost	23,063
Unrealized Gain	0
Unrealized Loss	0
Fair Value	23,063
Agency bonds
Short-term marketable securities
Amortized Cost	10,616
Unrealized Gain	5
Unrealized Loss	(1)
Fair Value	10,620
Long-term marketable securities
Amortized Cost	24,388
Unrealized Gain	21
Unrealized Loss	0
Fair Value	$ 24,409
[1]	Reflects the impact from the adoption of ASC 326 on January 1, 2020. See Note 1 – Summary of Business and Significant Accounting Policies for details.

Fair Value Measurements - Narra

Fair Value Measurements - Narrative (Details) $ in Thousands	1 Months Ended		3 Months Ended
	Jan. 31, 2020USD ($)shares	Feb. 28, 2019USD ($)shares	Mar. 31, 2020USD ($)numberOfSecurities	Mar. 31, 2019USD ($)
Business Acquisition [Line Items]
Number of securities in net loss positions | numberOfSecurities			4
Acquisition-related contingent payments			$ 8,751	$ 9,542
GoMedigap
Business Acquisition [Line Items]
Acquisition-related contingent payments	$ 8,800	$ 9,500
Earnout consideration (in shares) | shares	294,608	294,608
Stock issued for acquisition	$ 28,500	$ 17,300

Fair Value Measurements - Earno

Fair Value Measurements - Earnout Liability Activity (Details) - Contingent Consideration $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	$ 37,273
Change in fair value	0
Settlements	(37,273)
Ending balance	$ 0

Equity - Narrative (Details)

Equity - Narrative (Details) - USD ($) $ / shares in Units, $ in Millions	1 Months Ended	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2020	Dec. 31, 2019
Equity, Class of Treasury Stock [Line Items]
Sale of stock, shares issued (in shares)	2,070,000
Sale of stock, price per share (in dollars per share)	$ 115	$ 115
Net proceeds from sale of stock	$ 228
Number of shares repurchased under share repurchase plan (in shares)		0
Treasury shares that were previously surrendered by employees to satisfy tax withholdings (in shares)		985,454
Treasury stock (in shares)	11,649,342	11,649,342	11,615,558
Over-Allotment Option
Equity, Class of Treasury Stock [Line Items]
Sale of stock, shares issued (in shares)	270,000
Previous share repurchase programs
Equity, Class of Treasury Stock [Line Items]
Number of shares repurchased under share repurchase plan (in shares)		10,663,888

Equity - Schedule of Stock-Base

Equity - Schedule of Stock-Based Compensation Expense (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	$ 8,714	$ 3,229
Common stock options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	306	602
Restricted stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	8,408	2,627
Marketing and advertising
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	1,730	629
Customer care and enrollment
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	662	273
Technology and content
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	1,617	549
General and administrative
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	$ 4,705	$ 1,778

Net Income (Loss) Per Share - C

Net Income (Loss) Per Share - Computation of Basic and Diluted Net Income per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Basic:
Net income (loss)	$ 3,452	$ (5,159)
Shares used in per share calculation - basic (in shares)	24,719	21,831
Earnings per share, basic (in usd per share)	$ 0.14	$ (0.24)
Diluted:
Dilutive effect of common stock (in shares)	1,460	0
Total common stock shares used in diluted share calculation (in shares)	26,179	21,831
Earnings per share, diluted (in usd per share)	$ 0.13	$ (0.24)

Net Income (Loss) Per Share - S

Net Income (Loss) Per Share - Schedule of Anti-Dilutive Shares Excluded from Computation Of Net Income Per Share (Details) - shares	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities (in shares)	0
Common stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities (in shares)		1,000,000
Restricted stock units
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities (in shares)		1,400,000

Commitments and Contingencies_2

Commitments and Contingencies (Details) $ in Thousands	Jul. 01, 2019plaintiff	Apr. 29, 2020claim	Mar. 31, 2020USD ($)
Loss Contingencies [Line Items]
Loss contingency accrued			$ 1,200
Remainder of 2020			1,961
2021			2,189
2022			692
2023			444
2024			229
Thereafter			0
Total			$ 5,515
Subsequent Event [Member]
Loss Contingencies [Line Items]
New claims filed | claim		2
Le'Vias Compliant
Loss Contingencies [Line Items]
Number of plaintiffs | plaintiff	2

Segment and Geographic Inform_3

Segment and Geographic Information - Segment Operating Results (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)segment	Mar. 31, 2019USD ($)
Segment Reporting Information [Line Items]
Number of operating segments | segment	2
Total revenue	$ 106,408	$ 68,773
Stock-based compensation expense	(8,714)	(3,229)
Change in fair value of earnout liability	0	(13,306)
Depreciation and amortization	(823)	(655)
Amortization of intangible assets	(547)	(547)
Other income, net	373	557
Income (loss) before benefit from income taxes	1,404	(8,626)
Operating Segments
Segment Reporting Information [Line Items]
Total revenue	106,408	68,773
Segment profit (loss)	24,563	16,850
Operating Segments | Medicare
Segment Reporting Information [Line Items]
Total revenue	96,151	54,901
Segment profit (loss)	21,960	10,826
Operating Segments | Individual, Family and Small Business
Segment Reporting Information [Line Items]
Total revenue	10,257	13,872
Segment profit (loss)	2,603	6,024
Corporate
Segment Reporting Information [Line Items]
Segment profit (loss)	$ (13,448)	$ (8,296)

Segment and Geographic Inform_4

Segment and Geographic Information - Schedule Of Long-Lived Assets By Geographical Area (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Segment Reporting Information [Line Items]
Long-lived assets	$ 99,715	$ 64,879
United States
Segment Reporting Information [Line Items]
Long-lived assets	99,297	64,408
China
Segment Reporting Information [Line Items]
Long-lived assets	$ 418	$ 471

Segment and Geographic Inform_5

Segment and Geographic Information - Schedule of Revenue by Major Customers (Details) - Customer Concentration Risk - Revenue	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Humana
Revenue, Major Customer [Line Items]
Major customer revenue, percentage	19.00%	23.00%
UnitedHealthcare
Revenue, Major Customer [Line Items]
Major customer revenue, percentage	22.00%	17.00%
Aetna
Revenue, Major Customer [Line Items]
Major customer revenue, percentage	15.00%	17.00%

Leases - Narrative (Details)

Leases - Narrative (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)	Mar. 31, 2019USD ($)	Jan. 31, 2020ft²	Jan. 01, 2020periods
Lessee, Lease, Description [Line Items]
Operating lease cost	$ 2,100	$ 1,300
Operating cash outflow from operating leases	1,600	$ 900
Acquired right-of-use asset	7,100
Future minimum lease payments	$ 62,168
Minimum
Lessee, Lease, Description [Line Items]
Lease term	1 year
Maximum
Lessee, Lease, Description [Line Items]
Lease term	10 years
Gold River, California
Lessee, Lease, Description [Line Items]
Office space, square feet | ft²			63,206
Future minimum lease payments	$ 13,500
Number of extension periods | periods				1
Extension term				5 years

Leases - Supplemental Balance S

Leases - Supplemental Balance Sheet Information (Details) - USD ($) $ in Thousands	Mar. 31, 2020		Dec. 31, 2019
Leases [Abstract]
Operating lease right-of-use assets	$ 43,396	[1]	$ 36,621
Operating lease liabilities	$ 46,166
Weighted-average remaining lease term of operating leases	7 years 10 months 24 days
Weighted-average discount rate used to recognize operating lease right-of-use-assets	5.50%
[1]	Reflects the impact from the adoption of ASC 326 on January 1, 2020. See Note 1 – Summary of Business and Significant Accounting Policies for details.

Leases - Maturities of Lease Li

Leases - Maturities of Lease Liabilities (Details) $ in Thousands	Mar. 31, 2020USD ($)
Operating leases
Reminder of 2020	$ 5,058
2021	6,950
2022	6,988
2023	7,863
2024	7,706
Thereafter	27,603
Total lease payments	62,168
Less imputed interest	(16,002)
Operating lease liabilities	$ 46,166

Debt (Details)

Debt (Details) - USD ($)	Dec. 20, 2019	Sep. 17, 2018	Mar. 31, 2020	Dec. 31, 2019
Debt Instrument [Line Items]
Borrowings under line of credit			$ 0
Revolving Credit Facility
Debt Instrument [Line Items]
Borrowing capacity	$ 75,000,000	$ 40,000,000
Commitment fee percentage		0.50%
Facility fee percentage	0.50%	1.75%
Maximum borrowing capacity	$ 75,000,000	$ 40,000,000
Covenant, minimum cash and cash equivalents	6,000,000	6,000,000
Covenant, maximum cash and cash equivalents	11,300,000
Minimum liquidity	10,000,000
Maximum liquidity	$ 18,800,000
Debt issuance costs		1,200,000	$ 1,100,000	$ 1,100,000
Revolving Credit Facility | Credit Agreement Amendment
Debt Instrument [Line Items]
Debt issuance costs				$ 500,000
Letter of Credit
Debt Instrument [Line Items]
Borrowing capacity		$ 5,000,000
Eligible Commissions Receivables, Preceding Three Months | Revolving Credit Facility
Debt Instrument [Line Items]
Borrowing base percentage			80.00%
Eligible Commissions Receivables, Succeeding Three Months | Revolving Credit Facility
Debt Instrument [Line Items]
Borrowing base percentage			80.00%
Eligible Commissions Receivables, Succeeding Six Months | Revolving Credit Facility
Debt Instrument [Line Items]
Borrowing base percentage			50.00%

Income Taxes - Summary of Incom

Income Taxes - Summary of Income Tax Benefit (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Income Tax Disclosure [Abstract]
Income (loss) before benefit from income taxes	$ 1,404	$ (8,626)
Benefit from income taxes	$ (2,048)	$ (3,467)
Effective tax rate	(145.90%)	40.20%

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Income Tax Disclosure [Abstract]
Benefit from income taxes	$ 2,048	$ 3,467
Effective tax rate	(145.90%)	40.20%

Uncategorized Items - ehth-2020

Label	Element	Value
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	$ (1,147,000)
Retained Earnings [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	$ (1,147,000)