eHealth (EHTH) 10-Q 8 Aug 22 2022 Q2 Quarterly report Financial data

Cover

Cover - shares	6 Months Ended
	Jun. 30, 2022	Jul. 29, 2022
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2022
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	210-3150
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		27,257,171
Amendment Flag	false
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q2
Entity Central Index Key	0001333493
Current Fiscal Year End Date	--12-31

CONDENSED CONSOLIDATED BALANCE

CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Current assets:
Cash and cash equivalents	$ 194,741	$ 81,926
Short-term marketable securities	4,466	41,306
Accounts receivable	442	5,750
Contract assets – commissions receivable – current	201,315	254,821
Prepaid expenses and other current assets	9,633	23,784
Total current assets	410,597	407,587
Contract assets – commissions receivable – non-current	600,298	653,441
Property and equipment, net	9,750	12,105
Operating lease right-of-use assets	34,740	37,373
Restricted cash	3,239	3,239
Other assets	36,294	35,547
Total assets	1,094,918	1,149,292
Current liabilities:
Accounts payable	5,792	13,750
Accrued compensation and benefits	11,010	16,458
Accrued marketing expenses	9,666	36,384
Lease liabilities – current	5,891	5,543
Other current liabilities	3,535	3,330
Total current liabilities	35,894	75,465
Long-term debt	65,403	0
Deferred income taxes – non-current	33,478	50,796
Lease liabilities – non-current	32,769	35,826
Other non-current liabilities	4,456	5,094
Total liabilities	172,000	167,181
Commitments and contingencies
Convertible preferred stock	247,337	232,592
Stockholders’ equity:
Common stock	40	39
Additional paid-in capital	767,164	755,875
Treasury stock, at cost	(199,998)	(199,998)
Retained earnings	108,225	193,213
Accumulated other comprehensive income	150	390
Total stockholders’ equity	675,581	749,519
Total liabilities, convertible preferred stock, and stockholders’ equity	$ 1,094,918	$ 1,149,292

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE LOSS - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Revenue:
Total revenue	$ 50,409	$ 96,557	$ 155,659	$ 230,771
Operating costs and expenses:
Cost of revenue	423	246	296	1,242
Marketing and advertising	29,963	44,581	88,417	95,455
Customer care and enrollment	29,149	38,362	71,313	72,524
Technology and content	17,780	20,464	37,443	43,627
General and administrative	17,198	18,118	37,185	41,172
Amortization of intangible assets	0	119	0	295
Restructuring and reorganization charges	1,369	0	6,192	2,431
Total operating costs and expenses	95,882	121,890	240,846	256,746
Loss from operations	(45,473)	(25,333)	(85,187)	(25,975)
Other income (expense), net	(1,167)	172	(2,188)	322
Loss before income taxes	(46,640)	(25,161)	(87,375)	(25,653)
Benefit from income taxes	(9,138)	(6,752)	(17,131)	(6,444)
Net loss	(37,502)	(18,409)	(70,244)	(19,209)
Paid-in-kind dividends for preferred stock	(4,771)	(3,082)	(9,488)	(3,082)
Change in preferred stock redemption value	(2,756)	(1,397)	(5,257)	(1,397)
Net loss attributable to common stockholders	$ (45,029)	$ (22,888)	$ (84,989)	$ (23,688)
Net loss per share attributable to common stockholders:
Basic (in dollars per share)	$ (1.65)	$ (0.86)	$ (3.12)	$ (0.89)
Diluted (in dollars per share)	$ (1.65)	$ (0.86)	$ (3.12)	$ (0.89)
Weighted-average number of shares used in per share amounts:
Basic (in shares)	27,276	26,677	27,283	26,639
Diluted (in shares)	27,276	26,677	27,283	26,639
Comprehensive loss:
Net loss	$ (37,502)	$ (18,409)	$ (70,244)	$ (19,209)
Unrealized holding loss for available for sales debt securities, net of tax	(10)	(35)	(2)	(51)
Foreign currency translation adjustments	(261)	59	(238)	42
Comprehensive loss	(37,773)	(18,385)	(70,484)	(19,218)
Commission
Revenue:
Total revenue	47,835	89,823	141,685	216,875
Other
Revenue:
Total revenue	$ 2,574	$ 6,734	$ 13,974	$ 13,896

CONDENSED CONSOLIDATED STATEM_2

CONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY - 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, 2020		37,755
Beginning balance (in shares) at Dec. 31, 2020				11,831
Beginning balance at Dec. 31, 2020	$ 837,558	$ 38	$ 721,013	$ (199,998)	$ 316,155	$ 350
Ending balance (in shares) at Mar. 31, 2021		37,993
Ending balance (in shares) at Mar. 31, 2021				11,912
Ending balance at Mar. 31, 2021	843,925	$ 38	728,213	$ (199,998)	315,355	317
Beginning balance (in shares) at Dec. 31, 2020		37,755
Beginning balance (in shares) at Dec. 31, 2020				11,831
Beginning balance at Dec. 31, 2020	837,558	$ 38	721,013	$ (199,998)	316,155	350
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of common stock in connection with equity incentive plans (in shares)		301
Issuance of common stock in connection with equity incentive plans	802		802
Repurchase of shares to satisfy employee tax withholding obligations	(5,907)		(5,907)
Repurchase of shares to satisfy employee tax withholding obligations (in shares)				94
Paid-in-kind dividend and accretion related to convertible preferred stock	(4,479)				(4,479)
Issuance of common stock for employee stock purchase program (in shares)		38
Issuance of common stock for employee stock purchase program	2,248		2,248
Other comprehensive income (loss), net of tax	(9)					(9)
Stock-based compensation	20,750		20,750
Net loss	(19,209)				(19,209)
Ending balance (in shares) at Jun. 30, 2021		38,094
Ending balance (in shares) at Jun. 30, 2021				11,925
Ending balance at Jun. 30, 2021	831,754	$ 38	738,906	$ (199,998)	292,467	341
Beginning balance (in shares) at Mar. 31, 2021		37,993
Beginning balance (in shares) at Mar. 31, 2021				11,912
Beginning balance at Mar. 31, 2021	843,925	$ 38	728,213	$ (199,998)	315,355	317
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of common stock in connection with equity incentive plans (in shares)		63
Issuance of common stock in connection with equity incentive plans	517		517
Repurchase of shares to satisfy employee tax withholding obligations	(870)		(870)
Repurchase of shares to satisfy employee tax withholding obligations (in shares)				13
Paid-in-kind dividend and accretion related to convertible preferred stock	(4,479)				(4,479)
Issuance of common stock for employee stock purchase program (in shares)		38
Issuance of common stock for employee stock purchase program	2,248		2,248
Other comprehensive income (loss), net of tax	24					24
Stock-based compensation	8,798		8,798
Net loss	(18,409)				(18,409)
Ending balance (in shares) at Jun. 30, 2021		38,094
Ending balance (in shares) at Jun. 30, 2021				11,925
Ending balance at Jun. 30, 2021	831,754	$ 38	738,906	$ (199,998)	292,467	341
Beginning balance (in shares) at Dec. 31, 2021		38,704
Beginning balance (in shares) at Dec. 31, 2021				12,016
Beginning balance at Dec. 31, 2021	749,519	$ 39	755,875	$ (199,998)	193,213	390
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of common stock in connection with equity incentive plans (in shares)		706
Issuance of common stock in connection with equity incentive plans	1,055	$ 1	1,054
Repurchase of shares to satisfy employee tax withholding obligations	(2,434)		(2,434)
Repurchase of shares to satisfy employee tax withholding obligations (in shares)				271
Paid-in-kind dividend and accretion related to convertible preferred stock	(14,744)				(14,744)
Issuance of common stock for employee stock purchase program (in shares)		83
Issuance of common stock for employee stock purchase program	873		873
Other comprehensive income (loss), net of tax	(240)					(240)
Stock-based compensation	11,796		11,796
Net loss	(70,244)				(70,244)
Ending balance (in shares) at Jun. 30, 2022		39,493
Ending balance (in shares) at Jun. 30, 2022				12,287
Ending balance at Jun. 30, 2022	675,581	$ 40	767,164	$ (199,998)	108,225	150
Beginning balance (in shares) at Mar. 31, 2022		38,880
Beginning balance (in shares) at Mar. 31, 2022				12,053
Beginning balance at Mar. 31, 2022	715,927	$ 39	762,212	$ (199,998)	153,253	421
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of common stock in connection with equity incentive plans (in shares)		530
Issuance of common stock in connection with equity incentive plans	1	$ 1
Repurchase of shares to satisfy employee tax withholding obligations	(1,926)		(1,926)
Repurchase of shares to satisfy employee tax withholding obligations (in shares)				234
Paid-in-kind dividend and accretion related to convertible preferred stock	(7,526)				(7,526)
Issuance of common stock for employee stock purchase program (in shares)		83
Issuance of common stock for employee stock purchase program	873		873
Other comprehensive income (loss), net of tax	(271)					(271)
Stock-based compensation	6,005		6,005
Net loss	(37,502)				(37,502)
Ending balance (in shares) at Jun. 30, 2022		39,493
Ending balance (in shares) at Jun. 30, 2022				12,287
Ending balance at Jun. 30, 2022	$ 675,581	$ 40	$ 767,164	$ (199,998)	$ 108,225	$ 150

CONDENSED CONSOLIDATED STATEM_3

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Operating activities:
Net loss	$ (70,244)	$ (19,209)
Adjustments to reconcile net loss to net cash provided by operating activities:
Depreciation and amortization	2,037	2,202
Amortization of internally developed software	8,090	5,739
Amortization of intangible assets	0	295
Stock-based compensation expense	10,790	19,647
Deferred income taxes	(17,316)	(7,392)
Other non-cash items	1,129	779
Changes in operating assets and liabilities:
Accounts receivable	5,309	(1,736)
Contract assets – commissions receivable	106,616	37,007
Prepaid expenses and other assets	14,656	4,317
Accounts payable	(7,911)	(21,416)
Accrued compensation and benefits	(4,614)	(3,709)
Accrued marketing expenses	(26,715)	(7,647)
Deferred revenue	780	1,056
Accrued expenses and other liabilities	(1,261)	793
Net cash provided by operating activities	21,346	10,726
Investing activities:
Capitalized internal-use software and website development costs	(8,376)	(7,342)
Purchases of property and equipment and other assets	(227)	(2,705)
Purchases of marketable securities	(8,402)	(67,811)
Proceeds from redemption and maturities of marketable securities	45,269	41,514
Net cash provided by (used in) investing activities	28,264	(36,344)
Financing activities:
Proceeds from issuance of preferred stock, net of issuance costs	0	214,025
Net proceeds from debt financing	64,862	0
Net proceeds from exercise of common stock options and employee stock purchases	1,054	3,051
Repurchase of shares to satisfy employee tax withholding obligations	(2,434)	(5,907)
Principal payments in connection with leases	(64)	(76)
Net cash provided by financing activities	63,418	211,093
Effect of exchange rate changes on cash, cash equivalents and restricted cash	(213)	26
Net increase in cash, cash equivalents and restricted cash	112,815	185,501
Cash, cash equivalents and restricted cash at beginning of period	85,165	47,113
Cash, cash equivalents and restricted cash at end of period	$ 197,980	$ 232,614

Summary of Business and Signifi

Summary of Business and Significant Accounting Policies	6 Months Ended
	Jun. 30, 2022
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 omnichannel consumer engagement platform 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 approximately 200 health insurance carriers across all fifty states and the District of Columbia. Basis of Presentation – The accompanying condensed consolidated balance sheet as of June 30, 2022, the condensed consolidated statements of comprehensive loss and stockholders’ equity for the three and six months ended June 30, 2022 and 2021, and the condensed consolidated statements of cash flows for the six months ended June 30, 2022 and 2021 are unaudited. The condensed consolidated balance sheet data as of December 31, 2021 was derived from the audited consolidated financial statements included in our Annual Report on Form 10-K for the year ended December 31, 2021, which was filed with the Securities and Exchange Commission on March 1, 2022. 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 direct and indirect 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 prior period amounts have been reclassified to conform with our current period presentation. 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, 2021 and include all adjustments necessary for the fair presentation of our financial position as of June 30, 2022 and December 31, 2021, and our results of operations for the periods presented. The results for the three and six months ended June 30, 2022 are not necessarily indicative of the results to be expected for any subsequent period or for the year ending December 31, 2022 and therefore should not be relied upon as an indicator of future results. Subsequent to the issuance of our consolidated financial statements for the year ended December 31, 2020, we identified certain errors, including a $3.0 million under-recognition of stock-based compensation expense and a $1.5 million over-recognition of licensing costs for the year ended December 31, 2020. We adjusted for these items in the first quarter of 2021 and the adjustments reduced our net loss by approximately $1.5 million, or $0.06 per basic and diluted share in our Condensed Consolidated Statement of Comprehensive Loss for the three months ended March 31, 2021. These items also reduced our net loss by approximately $1.5 million, or $0.06 per basic and diluted share, on our Condensed Consolidated Statement of Comprehensive Loss for the six months ended June 30, 2022. We evaluated the effects of these out-of-period adjustments, both qualitatively and quantitatively, and concluded that the errors and the correction thereof were immaterial both individually and in the aggregate to the current reporting period and the periods in which they originated, including quarterly reporting. Significant Accounting Policies, Estimates and Judgments – 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 useful lives of intangible assets, fair value of investments, recoverability of intangible assets, the commissions we expect to collect for each approved member cohort, 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. 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, 2021. Seasonality – Open enrollment periods drive the seasonality of our business. 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 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. Our Medicare plan-related commission revenue is also elevated in the first quarter compared to the second and third quarters as a result of the reintroduction of the Medicare Advantage open enrollment period in the first quarter of 2019. Any changes to or additional enrollment periods may change the seasonality of our business. The majority of our individual and family health insurance plans are sold in the fourth quarter during the annual open enrollment period as defined under the federal Patient Protection and Affordable Care Act and related amendments in the Health Care and Education Reconciliation Act. In the states where the Federally Facilitated marketplace operates as the state health insurance exchange, individuals and families generally are not able to purchase individual and family health insurance outside of the annual 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. Extended open enrollment or special enrollment periods may change the seasonality of our individual and family health insurance business. For example, the COVID-related special enrollment period which ended on August 15, 2021 caused increased commission revenue from the sale of individual and family health insurance plans outside of the open enrollment period. Recently Adopted Accounting Pronouncements

Revenue

Revenue	6 Months Ended
	Jun. 30, 2022
Revenue from Contract with Customer [Abstract]
Revenue	Revenue Disaggregation of Revenue – The table below depicts the disaggregation of revenue by product and is consistent with how we evaluate our financial performance (in thousands): Three Months Ended Six Months Ended 2022 2021 2022 2021 Medicare Medicare Advantage $ 36,477 $ 69,142 $ 114,607 $ 172,667 Medicare Supplement 2,637 3,921 8,757 12,143 Medicare Part D (462) (6,027) 998 (4,291) Total Medicare 38,652 67,036 124,362 180,519 Individual and Family (1) Non-Qualified Health Plans 2,369 11,076 3,979 14,443 Qualified Health Plans 745 2,838 2,261 4,938 Total Individual and Family 3,114 13,914 6,240 19,381 Ancillary Short-term 977 1,513 2,320 3,269 Dental 703 3,660 1,534 5,388 Vision 253 934 496 1,139 Other 715 1,021 1,129 1,056 Total Ancillary 2,648 7,128 5,479 10,852 Small Business 2,423 2,290 5,906 5,513 Commission Bonus and Other 998 (545) (302) 610 Total Commission Revenue 47,835 89,823 141,685 216,875 Other Revenue Sponsorship and Advertising Revenue 2,091 6,023 12,735 11,837 Other 483 711 1,239 2,059 Total Other Revenue 2,574 6,734 13,974 13,896 Total Revenue $ 50,409 $ 96,557 $ 155,659 $ 230,771 _____________ (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 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 Six Months Ended 2022 2021 2022 2021 Medicare Commission Revenue from Members Approved During the Period $ 49,855 $ 78,598 $ 134,138 $ 193,276 Net Commission Revenue from Members Approved in Prior Periods (1) (10,788) (11,543) (10,737) (11,529) Total Medicare Segment Commission Revenue $ 39,067 $ 67,055 $ 123,401 $ 181,747 Individual, Family and Small Business Commission Revenue from Members Approved During the Period $ 4,612 $ 5,208 $ 10,654 $ 11,603 Commission Revenue from Renewals of Small Business Members During the Period 2,044 1,723 5,081 4,410 Net Commission Revenue from Members Approved in Prior Periods (1) 2,112 15,837 2,549 19,115 Total IFP/SMB Segment Commission Revenue $ 8,768 $ 22,768 $ 18,284 $ 35,128 Total Commission Revenue from Members Approved During the Period (1) $ 54,467 $ 83,806 $ 144,792 $ 204,879 Commission Revenue from Renewals of Small Business Members During the Period 2,044 1,723 5,081 4,410 Total Net Commission Revenue from Members Approved in Prior Periods (1)(2) (8,676) 4,294 (8,188) 7,586 Total Commission Revenue $ 47,835 $ 89,823 $ 141,685 $ 216,875 _____________ (1) These amounts reflect our revised estimates of cash collections for certain members approved prior to the relevant reporting period that are recognized as adjustments to revenue within the relevant reporting period. The net adjustment revenue includes both increases in revenue for certain prior period cohorts as well as reductions in revenue for certain prior period cohorts. (2) The impacts of total net commission revenue from members approved in prior periods were $(0.32) and $0.16 per basic and diluted share, for the three months ended June 30, 2022 and 2021, respectively. The impacts of total net commission revenue from members approved in prior periods were $(0.30) and $0.28 per basic and diluted share, for the six months ended June 30, 2022 and 2021, respectively. The total reductions to revenue from members approved in prior periods were $13.7 million and $18.5 million for the three months ended June 30, 2022 and 2021, respectively, and $13.7 million and $19.4 million for the six months ended June 30, 2022 and 2021. These reductions to revenue primarily related to the Medicare segment.

Supplemental Financial Statemen

Supplemental Financial Statement Information	6 Months Ended
	Jun. 30, 2022
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 invest in marketable securities that are measured and recorded at fair value. See Note 4 – Fair Value Measurements for further discussion about our marketable securities. Our cash, cash equivalent and restricted cash balances are summarized as follows (in thousands): June 30, 2022 December 31, 2021 Cash $ 58,761 $ 33,253 Cash equivalents 135,980 48,673 Cash and cash equivalents 194,741 81,926 Restricted cash 3,239 3,239 Total cash, cash equivalents and restricted cash $ 197,980 $ 85,165 As of June 30, 2022 and December 31, 2021, we had $3.2 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 June 30, 2022. We estimate an allowance for credit losses 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’s, Standard & Poor’s 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. Credit loss expenses are assessed quarterly and included in general and administrative expense on our Condensed Consolidated Statement of Comprehensive Loss. There were no write-offs during the six month periods ended June 30, 2022 and 2021. We considered the impact of recent events and global economic conditions when evaluating the appropriate adjustments to our allowance for credit losses as of June 30, 2022. We also considered the current and expected future economic and market conditions surrounding the COVID-19 pandemic. The change in the allowance for credit losses for the six months ended June 30, 2022 is summarized as follows (in thousands): Beginning balance $ 2,198 Change in allowance 34 Ending balance $ 2,232 Our contract assets – commission receivable activities, net of credit loss allowances are summarized as follows (in thousands): Six Months Ended June 30, 2022 Medicare Segment IFP/SMB Segment Total Beginning balance $ 837,474 $ 70,788 $ 908,262 Commission revenue from members approved during the period 134,138 10,654 144,792 Commission revenue from renewals of small business members during the period — 5,081 5,081 Net commission revenue from members approved in prior periods (10,737) 2,549 (8,188) Cash receipts (224,989) (23,311) (248,300) Net change in credit loss allowance (31) (3) (34) Ending balance $ 735,855 $ 65,758 $ 801,613 Six Months Ended June 30, 2021 Medicare Segment IFP/SMB Segment Total Beginning balance $ 739,637 $ 52,768 $ 792,405 Commission revenue from members approved during the period 193,276 11,603 204,879 Commission revenue from renewals of small business members during the period — 4,410 4,410 Net commission revenue from members approved in prior periods (11,529) 19,115 7,586 Cash receipts (230,446) (23,437) (253,883) Net change in credit loss allowance 206 19 225 Ending balance $ 691,144 $ 64,478 $ 755,622 Credit Risk Our financial instruments that are exposed to concentrations of credit risk principally consist of cash, cash equivalents, marketable securities, contract assets – commissions receivable, and accounts receivable. We invest our cash and cash equivalents with major banks and financial institutions and 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 $4.4 million as of June 30, 2022. See Note 4 – Fair Value Measurements for more information regarding our marketable securities. 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, commission receivable, and accounts receivable balances are summarized as of the dates presented below: June 30, 2022 December 31, 2021 Humana 26 % 25 % UnitedHealthCare (1) 24 % 23 % Aetna (1) 17 % 17 % Centene (1) 9 % 10 % _____________ (1) Percentages include the carriers' subsidiaries. Prepaid Expenses and Other Current Assets – Our prepaid expenses and other current assets are summarized as of the periods presented as follows (in thousands): June 30, 2022 December 31, 2021 Prepaid maintenance contracts $ 4,185 $ 6,246 Prepaid expenses 1,827 11,379 Prepaid licenses 1,620 3,076 Prepaid insurance 1,004 2,161 Others 997 922 Prepaid expenses and other current assets $ 9,633 $ 23,784

Fair Value Measurements

Fair Value Measurements	6 Months Ended
	Jun. 30, 2022
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; unadjusted quoted prices for identical or similar assets or liabilities in markets that are not active; inputs other than quoted prices that are observable for the asset or liability. Level 3 Unobservable inputs for the asset or liability. Our financial assets measured at fair value on a recurring basis are summarized below by their classification within the fair value hierarchy as of the dates presented below (in thousands): June 30, 2022 Carrying Value Level 1 Level 2 Level 3 Total Assets Cash equivalents Money market funds $ 14,263 $ 14,263 $ — $ — $ 14,263 Commercial paper 121,717 — 121,717 — 121,717 Short-term marketable securities Commercial paper 4,466 — 4,466 — 4,466 Total assets measured at fair value $ 140,446 $ 14,263 $ 126,183 $ — $ 140,446 December 31, 2021 Carrying Value Level 1 Level 2 Level 3 Total Assets Cash equivalents Money market funds $ 9,217 $ 9,217 $ — $ — $ 9,217 Commercial paper 39,456 — 39,456 — 39,456 Short-term marketable securities Commercial paper 38,801 — 38,801 — 38,801 Corporate bond 2,505 — 2,505 — 2,505 Total assets measured at fair value $ 89,979 $ 9,217 $ 80,762 $ — $ 89,979 As of June 30, 2022, our cash equivalents, consisting of money market funds and commercial paper with original maturity of 90 days or less, were classified as Level 1 and 2, respectively. We endeavor to utilize the best available information in measuring fair value. We used observable prices in active markets to determine the classification of our money market funds as Level 1. Our Level 2 assets consisted of available for sale marketable securities, which included commercial paper, agency bonds, and a corporate bond with maturities of less than one year. 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 a credit rating of AA or equivalent by S&P Rating and Moody's Investor Services. There were no transfers between the hierarchy levels during either the six months ended June 30, 2022 or the year ended December 31, 2021. The following table summarizes our cash equivalents and available-for-sale debt securities by contractual maturity (in thousands): As of June 30, 2022 Amortized Cost Fair Value Due in 1 year $ 140,458 $ 140,446 Unrealized gains and losses on available-for-sale debt securities that are not credit related are included in accumulated other comprehensive income and summarized as follows as of June 30, 2022 (in thousands): Amortized Cost Unrealized Gains Unrealized Losses Fair Value Cash equivalents Money market funds $ 14,263 $ — $ — $ 14,263 Commercial paper 121,729 2 (14) 121,717 Short-term marketable securities Commercial paper 4,466 — — 4,466 Total $ 140,458 $ 2 $ (14) $ 140,446

Equity

Equity	6 Months Ended
	Jun. 30, 2022
Stockholders' Equity Note [Abstract]
Equity	Equity 2021 Inducement Plan – On September 22, 2021, the Company adopted an inducement plan (as amended, the “2021 Inducement Plan”), pursuant to which the Company reserved 410,000 shares of its common stock (subject to customary adjustments in the event of a change in capital structure of the Company) to be used exclusively for grants of awards to individuals who were not previously employees or directors of the Company, other than following a bona fide period of non-employment, as an inducement material to the individual's entry into employment with the Company within the meaning of Rule 5635(c)(4) of the Nasdaq Listing Rules (“Nasdaq Rules”). In March 2022, the Company amended and restated the 2021 Inducement Plan to reserve an additional 500,000 shares of its common stock. The 2021 Inducement Plan and its amendment were approved by the Company's board of directors (the “Board”) without stockholder approval pursuant to Rule 5635(c)(4) of the Nasdaq Rules, and the terms and conditions of the 2021 Inducement Plan and awards to be granted thereunder are substantially similar to the Company's stockholder-approved Amended and Restated 2014 Equity Incentive Plan (as amended, the "2014 Equity Incentive Plan"). As of June 30, 2022, 543,960 shares were issued under the 2021 Inducement Plan. Stock Repurchase Programs – We had no stock repurchase activity during the three and six months ended June 30, 2022. In addition to 10.7 million shares repurchased under our previous repurchase programs, we have in treasury 1.6 million shares as of June 30, 2022 that were previously surrendered by employees to satisfy tax withholding due in connection with the vesting of certain restricted stock units. As of June 30, 2022 and December 31, 2021, we had a total of 12.3 million shares and 12.0 million 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 Six Months Ended 2022 2021 2022 2021 Restricted stock units* $ 5,232 $ 7,646 $ 9,938 $ 18,365 Common stock options 294 140 551 320 Employee stock purchase plan (21) 459 301 962 Total stock-based compensation expense $ 5,505 $ 8,245 $ 10,790 $ 19,647 _________ * Amounts include market-based and performance-based restricted stock units. The following table summarizes stock-based compensation expense by operating function for the periods presented below (in thousands): Three Months Ended Six Months Ended 2022 2021 2022 2021 Marketing and advertising $ 428 $ 2,140 $ 741 $ 4,625 Customer care and enrollment 512 692 966 1,161 Technology and content 1,821 2,360 3,671 5,103 General and administrative 2,744 3,053 5,412 8,758 Total stock-based compensation expense $ 5,505 $ 8,245 $ 10,790 $ 19,647 Amount capitalized for internal-use software 538 553 1,044 1,103 Total stock-based compensation $ 6,043 $ 8,798 $ 11,834 $ 20,750

Convertible Preferred Stock

Convertible Preferred Stock	6 Months Ended
	Jun. 30, 2022
Temporary Equity Disclosure [Abstract]
Convertible Preferred Stock	Convertible Preferred Stock On April 30, 2021 (the “Closing Date”), we issued and sold to Echelon Health SPV, LP (“H.I.G.”), an investment vehicle of H.I.G. Capital, in a private placement, 2,250,000 shares of our newly designated Series A convertible preferred stock (the “Series A preferred stock”), par value $0.001 per share, at an aggregate purchase price of $225.0 million. We received $214.0 million in net proceeds from the private placement with H.I.G., net of sales commissions and certain transaction fees totaling $11.0 million. The Series A preferred stock ranks senior to all other equity securities of the Company with respect to dividend rights and rights on the distribution of assets on any voluntary or involuntary liquidation, dissolution or winding up of the affairs of the Company. Dividends – Dividends initially accrue on the Series A preferred stock daily at 8% per annum on the stated value of $100 per share (“Stated Value”) and compound semiannually, payable in kind (“PIK”) until the second anniversary of the Closing Date on June 30 and December 31 of each year (each, a “Dividend Payment Date”), beginning on June 30, 2021, and thereafter 6% PIK and 2% payable in cash in arrears on June 30 and December 31 of each year, beginning on June 30, 2023. PIK dividends are cumulative and are added to the Accrued Value (as defined below). “Accrued Value” means, as of any date, with respect to any share of Series A preferred stock, the sum of the Stated Value per share plus, on each Dividend Payment Date, on a cumulative basis, all accrued PIK dividends on such share that have not previously compounded and been added to the Accrued Value. The Series A preferred stock participates, on an as-converted basis in all dividends paid to the holders of our common stock. Conversion Rights – The Series A preferred stock is convertible at any time into common stock at a conversion rate equal to (i) the Accrued Value plus accrued PIK dividends that have not yet been added to the Accrued Value, (ii) divided by the conversion price as of the applicable conversion date (the “Conversion Price”). As of the date of this report, the Conversion Price is equal to $79.5861 per share. This Conversion Price is subject to further adjustment and the number of shares of common stock issuable upon conversion of the Series A preferred stock is subject to certain limitations, each as set forth in the Certificate of Designations of Series A preferred stock, as filed with the Secretary of State of the State of Delaware on April 30, 2021 (the “Certificate of Designations”). Redemption Put Right – At any time on or after the sixth anniversary of the Closing Date, holders of the Series A preferred stock will have the right to cause the Company to redeem all or any portion of the Series A preferred stock in cash at an amount equal to the greater of (i) 135% of the Accrued Value per share as of the redemption date, plus accrued PIK dividends that have not yet been added to the Accrued Value and (ii) the amount per share that would be payable on an as-converted basis on such Series A preferred stock at the then-current Accrued Value, plus accrued PIK dividends that have not yet been added to the Accrued Value, and in either case of (i) or (ii) plus any unpaid cash dividends that would have otherwise been settled in cash in connection with such conversion (the greater of (i) and (ii), the “Redemption Price”). Redemption Call Right – At any time on or after the sixth anniversary of the Closing Date, the Company will have the right (but not the obligation) to redeem out of legally available funds and for cash consideration all (but not less than all) of the Series A preferred stock upon at least 30 days prior written notice at an amount equal to the Redemption Price. Board Nomination Rights – H.I.G. is entitled to nominate one individual for election to the Board so long as it continues to own at least 30% of the common stock issuable or issued upon conversion of the Series A preferred stock originally issued to it in the private placement. H.I.G. also has the right to nominate an additional individual to the Board if the Company fails to maintain certain levels of commissions receivable and liquidity. Voting Rights – The Series A preferred stock will vote together with the common stock as a single class on all matters submitted to a vote of the holders of the common stock (subject to certain voting limitations set forth in, and the terms and conditions of, the Certificate of Designations). Each holder of Series A preferred stock shall be entitled to the number of votes, rounded down to the nearest whole number, equal to the product of (i) the aggregate Accrued Value of the issued and outstanding shares of Series A preferred stock divided by the Minimum Price (as defined below), multiplied by (ii) a fraction, the numerator of which is the number of shares of Series A preferred stock held by such holder and the denominator of which is the aggregate number of issued and outstanding shares of Series A preferred stock. “Minimum Price” means the lower of: (i) the Nasdaq Official Closing Price per share of common stock on the Closing Date; or (ii) the average Nasdaq Official Closing Price per share of common stock for the five trading days immediately prior to the Closing Date. Holders of Series A preferred stock will have one vote per share on any matter on which the holders of the Series A preferred stock are entitled to vote separately as a class (subject to certain voting limitations set forth in, and the terms and conditions of, the Certificate of Designations). Mandatory Conversion of the Series A Preferred Stock – At any time on or after the third anniversary of the Closing Date, if the volume-weighted average price per share of our common stock is greater than 167.5% of the then-current Conversion Price for 20 consecutive trading days in a 30-day trading day period, the Company will have the right to convert all, but not less than all, of the Series A preferred stock into common stock at a conversion rate with respect to each share of Series A preferred stock of (i) the Accrued Value plus accrued PIK dividends that have not yet been added to the Accrued Value, (ii) divided by the then applicable Conversion Price. Covenants and Liquidity Requirements – As long as H.I.G. continues to own at least 30% of the Series A preferred stock originally issued to it in the private placement, the consent of H.I.G. will be required for the Company to incur certain indebtedness and to take certain other corporate actions as set forth in the Company's investment agreement with H.I.G. entered into on February 17, 2021 (the “Investment Agreement”). In addition, the Company is required to maintain an asset coverage ratio (as defined in the Investment Agreement) of at least 2x, which increases to 2.5x 30 months after the date of the Investment Agreement. Additionally, the Investment Agreement requires the Company to maintain a minimum liquidity amount (as defined in the Investment Agreement) for certain periods that ranges from $65.0 million to $125.0 million. If the Company fails to maintain the minimum asset coverage ratio or minimum liquidity amount as of a certain date or for a certain time period required by the Investment Agreement and H.I.G continues to own at least 30% of the Series A preferred stock originally issued to it in the private placement, H.I.G will have the right to nominate an additional director to the Board, and the consent of H.I.G. will be required to approve the Company's annual budget, hire or terminate certain key executives, and incur certain indebtedness as outlined in the Investment Agreement. H.I.G. will no longer have these additional board nomination and consent rights if the Company is able to satisfy the minimum liquidity amount requirements in the Investment Agreement for any subsequent 12 consecutive months. As of June 30, 2022, we were in compliance with the asset coverage ratio and minimum liquidity amounts as required in the Investment Agreement. Our Series A preferred stock is considered temporary equity in our condensed consolidated financial statements. We have determined there are no material embedded features that require recognition as a derivative asset or liability. We recognized the Series A preferred stock at its stated amount less issuance costs of $11.0 million, or $214.0 million. As of June 30, 2022, the estimated Series A preferred stock redemption value equals 135% of the Accrued Value per share as of the redemption date, plus any accrued and unpaid dividends, which is significantly in excess of the fair value of the common stock into which the Series A preferred stock is convertible as of June 30, 2022. We have elected to apply the accretion method to adjust the carrying value of the Series A preferred stock to its redemption value at the earliest date of redemption, April 30, 2027. Amounts recognized to accrete the Series A preferred stock to its estimated redemption value are treated as a deemed dividend and are recorded as a reduction to retained earnings. The estimated redemption value will vary in subsequent periods due to the redemption put right described above and we have elected to recognize such changes prospectively. No shares of Series A preferred stock have been converted and the Series A preferred stock was convertible into approximately 3.1 million shares of common stock as of June 30, 2022. The following table summarizes the proceeds and changes to our Series A preferred stock (in thousands): Gross proceeds $ 225,000 Less: issuance costs (10,975) Net proceeds $ 214,025 Balance as of Closing Date $ 214,025 Accrued paid-in-kind dividends 12,206 Change in preferred stock redemption value 6,361 Balance as of December 31, 2021 $ 232,592 Accrued paid-in-kind dividends 9,488 Change in preferred stock redemption value 5,257 Balance as of June 30, 2022 $ 247,337

Net Loss Per Share Attributable

Net Loss Per Share Attributable to Common Stockholders	6 Months Ended
	Jun. 30, 2022
Earnings Per Share [Abstract]
Net Loss Per Share Attributable to Common Stockholders	Net Loss Per Share Attributable to Common Stockholders Our Series A preferred stock is considered a participating security which requires the use of two-class method for the computation of basic and diluted per share amounts. Under the two-class method, earnings available to common stockholders for the period are allocated between common stockholders and participating securities according to dividends accumulated and participation rights in undistributed earnings. Net loss attributable to common stockholders is not allocated to the convertible preferred stock as the holder of the Series A preferred stock does not have a contractual obligation to share in losses. Basic net loss attributable to common stockholders per share is computed by dividing net loss available to common stockholders by the weighted-average number of shares of common stock outstanding for the period. Diluted net loss attributable to common stockholders per share is computed by dividing the net loss available to common stockholders for the period by the weighted average number of common and common equivalent shares outstanding during the period. Diluted net loss attributable to common stockholders per share reflects all potential dilutive common stock equivalent shares, including conversion of preferred stock, stock options, restricted stock units and shares to be issued under our employee stock purchase program. The following table sets forth the computation of basic and diluted net loss attributable to common stockholders per share (in thousands, except per share amounts): Three Months Ended Six Months Ended 2022 2021 2022 2021 Numerator: Net loss attributable to common stockholders $ (45,029) $ (22,888) $ (84,989) $ (23,688) Denominator: Shares used in per share calculation – basic 27,276 26,677 27,283 26,639 Dilutive effect of common stock — — — — Shares used in diluted share calculation 27,276 26,677 27,283 26,639 Net loss attributable to common stockholders per share – basic and diluted $ (1.65) $ (0.86) $ (3.12) $ (0.89) For each of the three and six months ended June 30, 2022 and 2021, we had securities outstanding that could potentially dilute per share amounts, but the shares from the assumed conversion or exercise of these securities were excluded in the computation of diluted net 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 the following (in thousands): Three Months Ended Six Months Ended 2022 2021 2022 2021 Convertible preferred stock 3,071 2,827 3,041 2,827 Restricted stock units* 1,939 885 1,334 978 Common stock options 253 351 258 358 Employee stock purchase program 118 1 — 2 Total 5,381 4,064 4,633 4,165 _________ * Amounts include market-based and performance-based restricted stock units.

Commitments and Contingencies

Commitments and Contingencies	6 Months Ended
	Jun. 30, 2022
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies 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 June 30, 2022 (in thousands): For the Years Ending December 31, Remainder of 2022 $ 6,851 2023 8,639 2024 2,470 2025 229 2026 — Thereafter — Total $ 18,189 Operating Leases Refer to Note 10 – 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 condensed consolidated financial statements. An estimated loss contingency is accrued in the condensed consolidated financial statements if it is probable that a liability has been incurred and the amount of the loss can be reasonably estimated. There was no material litigation-related accrual during the three and six months ended June 30, 2022. Legal proceedings or other contingencies could result in material costs, even if we ultimately prevail. Legal Proceedings Securities Class Action – On April 8, 2020 and April 30, 2020, two purported class action lawsuits were filed against the Company, its then-chief executive officer, Scott N. Flanders, its then-chief financial officer, Derek N. Yung, and its then-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. 4:20-cv-02967 (N.D. Cal.). The complaints allege, among other things, that the Company and Messrs. Flanders, Yung and Francis made materially false and misleading statements and/or failed to disclose material information regarding the Company's accounting and modeling assumptions, rate of member churn and the Company's 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 (as amended, the "Exchange Act") 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. On June 24, 2020, the Court consolidated the above-referenced matters under the caption In re eHealth Securities Litig. , Master File No. 4:20-cv-02395-JST (N.D. Cal.). The Court also appointed a lead plaintiff and lead counsel for the consolidated matter. An Amended Complaint was filed on August 25, 2020, which Defendants moved to dismiss on October 23, 2020. Defendants’ motion, which Plaintiff opposed, was granted in part and denied in part on August 12, 2021. The Court dismissed Plaintiff's claims to the extent premised upon alleged misrepresentations or omissions relating to churn, but denied Defendants' motion with respect to alleged misstatements regarding purported operating costs. On October 1, 2021, the Company filed an Answer denying in part and admitting in part the remaining allegations, and denying any wrongdoing. On November 11, 2021, Plaintiff’s counsel filed a suggestion of death with respect to the lead plaintiff Billy White. The parties stipulated to a schedule for the lead plaintiff process to be re-opened, which was so-ordered by the Court on January 10, 2022. Plaintiff’s counsel published notice regarding the appointment of a new lead plaintiff on January 17, 2022. On March 18, 2022, several motions were filed by class members seeking appointment as lead plaintiff. The lead plaintiff motions are pending with the court. Derivative Actions – On July 7, 2020 and October 13, 2020, two derivative lawsuits were filed against the Company's then-chief executive officer, Mr. Flanders, its then-chief financial officer, Mr. Yung, its then-chief operating officer, Mr. Francis, and the then-current members of the Board (collectively, the “Individual Defendants”), in the United States District Court for the Northern District of California and the Superior Court of California, County of Santa Clara. The cases are captioned Chernet v. Flanders et al ., Case No. 3:20-cv-04477-SK (N.D. Cal.), and Lincolnshire Police Pension Fund v. Flanders et al. , Case No. 20CV371555 (Cal. Super. Ct.), and also name the Company as a nominal defendant. A third derivative lawsuit was filed against the same defendants on October 5, 2021 in the United States District Court for the Northern District of California, captioned Badwal v. Flanders et al ., Case No. 4:21-cv-07795 (N.D. Cal.). The complaints allege, among other things, that the Individual Defendants made or caused the Company to make materially false and misleading statements and/or failed to disclose material information regarding our accounting and modeling assumptions, rate of member churn, profitability and internal controls for the period of March 2018 through the present. The Chernet and Lincolnshire complaints purport to assert claims for breach of fiduciary duty, unjust enrichment and waste of corporate assets. The Chernet lawsuit also alleges that the Individual Defendants violated Sections 14(a), 10(b), and 20(a) of the Exchange Act and asserts claims for abuse of control and gross mismanagement. The Badwal complaint purports to assert a claim for breach of fiduciary duty, an insider trading claim and violations of Section 14(a), 10(b) and 21D of the Exchange Act. The Chernet and Lincolnshire complaints seek damages, restitution, attorneys’ fees and costs, and certain measures with respect to the Company's corporate governance and internal procedures, and (in the Lincolnshire lawsuit) equitable and/or injunctive relief. The Badwal complaint seeks damages, declaratory relief, corporate governance measures, equitable and injunctive relief, restitution and disgorgement, and attorneys' fees and costs. On August 10, 2020, the parties filed a Stipulation and Proposed Order in the Chernet matter to stay the action until and through the resolution of the Defendants' anticipated motion to dismiss the consolidated securities class action, and filed a similar stipulation in the Lincolnshire matter on December 11, 2020. The Chernet stipulation was granted by the Court on August 12, 2020 and the Lincolnshire stipulation on December 11, 2020. In December 2021, the parties entered into a stipulation to further stay the Badwal and Chernet actions pending the appointment of a lead plaintiff in the consolidated action, which was so ordered by the Court on December 14, 2021.

Segment and Geographic Informat

Segment and Geographic Information	6 Months Ended
	Jun. 30, 2022
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, 2021 for our accounting policies relating to operating segments. The results of our operating segments are summarized for the periods presented below (in thousands): Three Months Ended Six Months Ended 2022 2021 2022 2021 Revenue: Medicare $ 41,062 $ 73,231 $ 136,129 $ 194,252 Individual, Family and Small Business 9,347 23,326 19,530 36,519 Total revenue $ 50,409 $ 96,557 $ 155,659 $ 230,771 Segment profit (loss) Medicare $ (25,271) $ (17,804) $ (40,088) $ 6,741 Individual, Family and Small Business 4,343 17,925 9,597 25,977 Segment profit (loss) (20,928) 121 (30,491) 32,718 Corporate (12,322) (13,093) (27,587) (28,379) Stock-based compensation expense (5,505) (8,245) (10,790) (19,647) Depreciation and amortization (5,349) (3,997) (10,127) (7,941) Amortization of intangible assets — (119) — (295) Restructuring and reorganization charges (1,369) — (6,192) (2,431) Other income (expense), net (1,167) 172 (2,188) 322 Loss before income taxes $ (46,640) $ (25,161) $ (87,375) $ (25,653) There were no inter-segment revenue transactions for the periods presented. 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): June 30, 2022 December 31, 2021 United States $ 43,651 $ 45,134 China 470 595 Total $ 44,121 $ 45,729 Significant Customers Substantially all revenue for the three and six months ended June 30, 2022 and 2021 was generated from customers located in the United States. Carriers representing 10% or more of our total revenue are summarized as follows: Three Months Ended Six Months Ended 2022 2021 2022 2021 UnitedHealthCare (1) 23 % 21 % 21 % 21 % Humana 14 % 18 % 19 % 18 % Centene (1) 13 % 12 % 14 % 12 % Aetna (1) 11 % 22 % 11 % 22 % __________ (1) Percentages include the carriers' subsidiaries.

Leases

Leases	6 Months Ended
	Jun. 30, 2022
Leases [Abstract]
Leases	Leases Our leases have remaining lease terms of 1 to 8 years. Certain of these leases have free or escalating rent payment provisions. We recognize lease expense 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. Most leases include options to renew, and the exercise of these options is at our discretion. Total operating lease expenses were $1.9 million for the three months ended June 30, 2022 and 2021 and $3.8 million for the six months ended June 30, 2022 and 2021. The sublease income was immaterial for both periods. Supplemental information related to leases are as follows (dollars in thousands): June 30, 2022 December 31, 2021 Weighted-average remaining lease term of operating leases 5.9 years 6.3 years Weighted-average discount rate used to recognize operating lease right-of-use-assets 5.4 % 5.4 % Six Months Ended 2022 2021 Operating lease expense $ 3,824 $ 3,825 Cash outflows related to operating leases 3,909 3,802 As of June 30, 2022, maturities of operating lease liabilities are as follows (in thousands): Year ending December 31, Remainder of 2022 $ 3,788 2023 8,029 2024 7,828 2025 8,005 2026 6,734 Thereafter 12,827 Total lease payments (1) $ 47,211 Less imputed interest (8,551) Total $ 38,660 ____________ (1) Noncancellable sublease income for the remainder of 2022 and year ending December 31, 2023 of $0.3 million and $0.4 million, respectively, is not included in the table above.

Restructuring and Reorganizatio

Restructuring and Reorganization	6 Months Ended
	Jun. 30, 2022
Restructuring and Related Activities [Abstract]
Restructuring and Reorganization	Restructuring and Reorganization Our restructuring and reorganization costs and liabilities consist primarily of severance, transition and other related costs. The following table summarizes the cash-based restructuring and reorganization related liabilities (in thousands): Six Months Ended June 30, 2022 Beginning balance $ 146 Restructuring and reorganization charges 6,192 Payments (5,346) Ending balance $ 992 In the first half of 2022, we recorded pre-tax restructuring charges of $6.2 million related to the elimination of 339 full-time positions that was completed in April 2022. The reduction represented approximately 14% of our workforce, primarily within our customer care and enrollment group, and to a lesser extent, in our marketing and advertising, technology and content, and general and administrative groups. The expense was primarily related to employee termination benefits. Substantially all of the restructuring charges will be settled in cash. No equity awards were modified. As of June 30, 2022, the restructuring accrual of $1.0 million is recorded in other current liabilities on our Condensed Consolidated Balance Sheet. In September 2021, we announced the transition of our chief executive officer. Mr. Scott Flanders resigned as a member of our Board and chief executive officer, effective October 31, 2021. We recognized $2.4 million in severance costs related to his separation for the year ended December 31, 2021. Stock-based compensation expense for the year ended December 31, 2021 was impacted by a $4.1 million credit related to forfeited equity awards due to Mr. Flanders' separation, which was included in general and administrative expenses on our Condensed Consolidated Statement of Comprehensive Loss.

Debt

Debt	6 Months Ended
	Jun. 30, 2022
Debt Disclosure [Abstract]
Debt	Debt We entered into a term loan credit agreement (the "Term Loan Credit Agreement") with Blue Torch Finance LLC, as administrative agent and collateral agent, and other lenders party thereto on February 28, 2022. The Term Loan Credit Agreement provides for a $70.0 million secured term loan credit facility. We terminated our credit agreement with Royal Bank of Canada ("RBC"), pursuant to which we had an up to $75 million revolving credit facility, in connection with entering into the Term Loan Credit Agreement. As of December 31, 2021, there was $0.4 million of unamortized issuance costs related to the RBC credit agreement recorded in other assets in our Condensed Consolidated Balance Sheet. As a result of the termination of our credit agreement with RBC, we wrote-off our remaining related debt issuance cost of $0.4 million in the first quarter of 2022. We had no outstanding borrowings under our agreement with RBC at the time of termination. The proceeds of the loans under the Term Loan Credit Agreement may be used for working capital and general corporate purposes, to refinance our credit agreement with RBC and to pay fees and expenses in connection with the entry into the Term Loan Credit Agreement. The term loan bears interest, upon our option, at either a rate based on the London Interbank Offered Rate ("LIBOR") for the applicable interest period or a base rate, in each case plus a margin. The base rate is the highest of the prime rate, the federal funds rates plus 0.50% and one month adjusted LIBOR plus 1.0%. The margin is 7.50% for LIBOR loans and 6.50% for base rate loans and the Term Loan Credit Agreement includes customary "fallback" provisions with respect to potential transition from the LIBOR. Furthermore, as part of the agreement, we will incur a $0.3 million fee per annum, payable annually. The outstanding obligations under the Term Loan Credit Agreement are payable in full on the maturity date. The Term Loan Credit Agreement matures in February 2025. We have the right to prepay the loans under the Term Loan Credit Agreement in whole or in part at any time, subject, in the case of certain mandatory prepayments or any voluntary prepayment of the loans under the Term Loan Credit Agreement after February 28, 2023, to an exit fee. Our obligations under the Term Loan Credit Agreement are guaranteed by certain of our material domestic subsidiaries and substantially all of our assets and the assets of such guarantors, in each case, subject to customary exclusion. We are obligated to pay administration fees with the Term Loan Credit Agreement. Financial covenants in the Term Loan Credit Agreement require that we maintain Liquidity (as defined in the Term Loan Credit Agreement) at or above $25.0 million as of the last calendar day of any month. The Term Loan Credit Agreement also requires that the outstanding amount as of any day be less than 50% of our total contract assets - commissions receivables (i.e., both current and non-current commissions receivables). As of June 30, 2022, we were in compliance with our loan covenants.

Income Taxes

Income Taxes	6 Months Ended
	Jun. 30, 2022
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The following table summarizes our benefit from income taxes and our effective tax rates for the periods presented below (in thousands, except effective tax rate): Three Months Ended Six Months Ended 2022 2021 2022 2021 Loss before income taxes $ (46,640) $ (25,161) $ (87,375) $ (25,653) Benefit from income taxes (9,138) (6,752) (17,131) (6,444) Effective tax rate 19.6 % 26.8 % 19.6 % 25.1 % For the three and six months ended June 30, 2022, we recognized a benefit from income taxes of $9.1 million and $17.1 million, respectively, representing an effective tax rate of 19.6%, which was lower than the statutory federal tax rate primarily due to stock-based compensation adjustments and non-deductible lobbying expenses, partially offset by research and development credits. For the three and six months ended June 30, 2021, we recognized a benefit from income taxes of $6.8 million and $6.4 million, respectively, representing an effective tax rate of 26.8% and 25.1%, respectively, which was higher than the statutory federal tax rate primarily due to stock-based compensation adjustments, non-deductible lobbying expenses and state taxes, partially offset by research and development credits. Assessing the realizability of our deferred tax assets is dependent upon several factors, including the likelihood and amount, if any, of future taxable income in relevant jurisdictions during the periods in which those temporary differences become deductible. We forecast taxable income by considering all available positive and negative evidence, including our history of operating income and losses and our financial plans and estimates that we use to manage the business. These assumptions require significant judgment about future taxable income. As a result, the amount of deferred tax assets considered realizable is subject to adjustment in future periods if estimates of future taxable income change. We continue to recognize our deferred tax assets as of June 30, 2022, as we believe it is more likely than not that the net deferred tax assets will be realized, with the exception of certain net operating losses and credits that are expected to expire unutilized which have a valuation allowance.

Subsequent Event

Subsequent Event	6 Months Ended
	Jun. 30, 2022
Subsequent Events [Abstract]
Subsequent Event	Subsequent Event On August 8, 2022, we obtained master landlord consent to enter into a sublease of our 45,657 square feet of office space in Santa Clara, California. The sublease will expire on March 31, 2029, the date on which the underlying lease agreement will terminate, and we will receive approximately $13.5 million of base rent payments over the sublease term.

Summary of Business and Signi_2

Summary of Business and Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2022
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 omnichannel consumer engagement platform 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 approximately 200 health insurance carriers across all fifty states and the District of Columbia.
Basis of Presentation	Basis of Presentation – The accompanying condensed consolidated balance sheet as of June 30, 2022, the condensed consolidated statements of comprehensive loss and stockholders’ equity for the three and six months ended June 30, 2022 and 2021, and the condensed consolidated statements of cash flows for the six months ended June 30, 2022 and 2021 are unaudited. The condensed consolidated balance sheet data as of December 31, 2021 was derived from the audited consolidated financial statements included in our Annual Report on Form 10-K for the year ended December 31, 2021, which was filed with the Securities and Exchange Commission on March 1, 2022. 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 direct and indirect 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 prior period amounts have been reclassified to conform with our current period presentation. 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, 2021 and include all adjustments necessary for the fair presentation of our financial position as of June 30, 2022 and December 31, 2021, and our results of operations for the periods presented. The results for the three and six months ended June 30, 2022 are not necessarily indicative of the results to be expected for any subsequent period or for the year ending December 31, 2022 and therefore should not be relied upon as an indicator of future results. Subsequent to the issuance of our consolidated financial statements for the year ended December 31, 2020, we identified certain errors, including a $3.0 million under-recognition of stock-based compensation expense and a $1.5 million over-recognition of licensing costs for the year ended December 31, 2020. We adjusted for these items in the first quarter of 2021 and the adjustments reduced our net loss by approximately $1.5 million, or $0.06 per basic and diluted share in our Condensed Consolidated Statement of Comprehensive Loss for the three months ended March 31, 2021. These items also reduced our net loss by approximately $1.5 million, or $0.06 per basic and diluted share, on our Condensed Consolidated Statement of Comprehensive Loss for the six months ended June 30, 2022. We evaluated the effects of these out-of-period adjustments, both qualitatively and quantitatively, and concluded that the errors and the correction thereof were immaterial both individually and in the aggregate to the current reporting period and the periods in which they originated, including quarterly reporting.
Significant Accounting Policies, Estimates and Judgments	Significant Accounting Policies, Estimates and Judgments – 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 useful lives of intangible assets, fair value of investments, recoverability of intangible assets, the commissions we expect to collect for each approved member cohort, 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.
Seasonality	Seasonality – Open enrollment periods drive the seasonality of our business. 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 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. Our Medicare plan-related commission revenue is also elevated in the first quarter compared to the second and third quarters as a result of the reintroduction of the Medicare Advantage open enrollment period in the first quarter of 2019. Any changes to or additional enrollment periods may change the seasonality of our business.
Recently Adopted Accounting Pronouncements	Recently Adopted Accounting PronouncementsWe did not adopt any new accounting pronouncements during the six months ended June 30, 2022.

Revenue (Tables)

Revenue (Tables)	6 Months Ended
	Jun. 30, 2022
Revenue from Contract with Customer [Abstract]
Disaggregation of Revenue by Segment	Disaggregation of Revenue – The table below depicts the disaggregation of revenue by product and is consistent with how we evaluate our financial performance (in thousands): Three Months Ended Six Months Ended 2022 2021 2022 2021 Medicare Medicare Advantage $ 36,477 $ 69,142 $ 114,607 $ 172,667 Medicare Supplement 2,637 3,921 8,757 12,143 Medicare Part D (462) (6,027) 998 (4,291) Total Medicare 38,652 67,036 124,362 180,519 Individual and Family (1) Non-Qualified Health Plans 2,369 11,076 3,979 14,443 Qualified Health Plans 745 2,838 2,261 4,938 Total Individual and Family 3,114 13,914 6,240 19,381 Ancillary Short-term 977 1,513 2,320 3,269 Dental 703 3,660 1,534 5,388 Vision 253 934 496 1,139 Other 715 1,021 1,129 1,056 Total Ancillary 2,648 7,128 5,479 10,852 Small Business 2,423 2,290 5,906 5,513 Commission Bonus and Other 998 (545) (302) 610 Total Commission Revenue 47,835 89,823 141,685 216,875 Other Revenue Sponsorship and Advertising Revenue 2,091 6,023 12,735 11,837 Other 483 711 1,239 2,059 Total Other Revenue 2,574 6,734 13,974 13,896 Total Revenue $ 50,409 $ 96,557 $ 155,659 $ 230,771 _____________ (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 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 Six Months Ended 2022 2021 2022 2021 Medicare Commission Revenue from Members Approved During the Period $ 49,855 $ 78,598 $ 134,138 $ 193,276 Net Commission Revenue from Members Approved in Prior Periods (1) (10,788) (11,543) (10,737) (11,529) Total Medicare Segment Commission Revenue $ 39,067 $ 67,055 $ 123,401 $ 181,747 Individual, Family and Small Business Commission Revenue from Members Approved During the Period $ 4,612 $ 5,208 $ 10,654 $ 11,603 Commission Revenue from Renewals of Small Business Members During the Period 2,044 1,723 5,081 4,410 Net Commission Revenue from Members Approved in Prior Periods (1) 2,112 15,837 2,549 19,115 Total IFP/SMB Segment Commission Revenue $ 8,768 $ 22,768 $ 18,284 $ 35,128 Total Commission Revenue from Members Approved During the Period (1) $ 54,467 $ 83,806 $ 144,792 $ 204,879 Commission Revenue from Renewals of Small Business Members During the Period 2,044 1,723 5,081 4,410 Total Net Commission Revenue from Members Approved in Prior Periods (1)(2) (8,676) 4,294 (8,188) 7,586 Total Commission Revenue $ 47,835 $ 89,823 $ 141,685 $ 216,875 _____________ (1) These amounts reflect our revised estimates of cash collections for certain members approved prior to the relevant reporting period that are recognized as adjustments to revenue within the relevant reporting period. The net adjustment revenue includes both increases in revenue for certain prior period cohorts as well as reductions in revenue for certain prior period cohorts. (2) The impacts of total net commission revenue from members approved in prior periods were $(0.32) and $0.16 per basic and diluted share, for the three months ended June 30, 2022 and 2021, respectively. The impacts of total net commission revenue from members approved in prior periods were $(0.30) and $0.28 per basic and diluted share, for the six months ended June 30, 2022 and 2021, respectively. The total reductions to revenue from members approved in prior periods were $13.7 million and $18.5 million for the three months ended June 30, 2022 and 2021, respectively, and $13.7 million and $19.4 million for the six months ended June 30, 2022 and 2021. These reductions to revenue primarily related to the Medicare segment.

Supplemental Financial Statem_2

Supplemental Financial Statement Information (Tables)	6 Months Ended
	Jun. 30, 2022
Balance Sheet Related Disclosures [Abstract]
Schedule of Cash, Cash Equivalents and Restricted Cash	Our cash, cash equivalent and restricted cash balances are summarized as follows (in thousands): June 30, 2022 December 31, 2021 Cash $ 58,761 $ 33,253 Cash equivalents 135,980 48,673 Cash and cash equivalents 194,741 81,926 Restricted cash 3,239 3,239 Total cash, cash equivalents and restricted cash $ 197,980 $ 85,165
Schedule of Cash, Cash Equivalents and Restricted Cash	Our cash, cash equivalent and restricted cash balances are summarized as follows (in thousands): June 30, 2022 December 31, 2021 Cash $ 58,761 $ 33,253 Cash equivalents 135,980 48,673 Cash and cash equivalents 194,741 81,926 Restricted cash 3,239 3,239 Total cash, cash equivalents and restricted cash $ 197,980 $ 85,165
Schedule of Change in Allowance for Credit Loss	The change in the allowance for credit losses for the six months ended June 30, 2022 is summarized as follows (in thousands): Beginning balance $ 2,198 Change in allowance 34 Ending balance $ 2,232
Schedule of Contract Assets - Commissions Receivable	Our contract assets – commission receivable activities, net of credit loss allowances are summarized as follows (in thousands): Six Months Ended June 30, 2022 Medicare Segment IFP/SMB Segment Total Beginning balance $ 837,474 $ 70,788 $ 908,262 Commission revenue from members approved during the period 134,138 10,654 144,792 Commission revenue from renewals of small business members during the period — 5,081 5,081 Net commission revenue from members approved in prior periods (10,737) 2,549 (8,188) Cash receipts (224,989) (23,311) (248,300) Net change in credit loss allowance (31) (3) (34) Ending balance $ 735,855 $ 65,758 $ 801,613 Six Months Ended June 30, 2021 Medicare Segment IFP/SMB Segment Total Beginning balance $ 739,637 $ 52,768 $ 792,405 Commission revenue from members approved during the period 193,276 11,603 204,879 Commission revenue from renewals of small business members during the period — 4,410 4,410 Net commission revenue from members approved in prior periods (11,529) 19,115 7,586 Cash receipts (230,446) (23,437) (253,883) Net change in credit loss allowance 206 19 225 Ending balance $ 691,144 $ 64,478 $ 755,622
Schedule of Credit Risk	Carriers that represented 10% or more of our total contract assets, commission receivable, and accounts receivable balances are summarized as of the dates presented below: June 30, 2022 December 31, 2021 Humana 26 % 25 % UnitedHealthCare (1) 24 % 23 % Aetna (1) 17 % 17 % Centene (1) 9 % 10 % _____________ (1) Percentages include the carriers' subsidiaries.
Schedule of Prepaid Expenses and Other Current Assets	Our prepaid expenses and other current assets are summarized as of the periods presented as follows (in thousands): June 30, 2022 December 31, 2021 Prepaid maintenance contracts $ 4,185 $ 6,246 Prepaid expenses 1,827 11,379 Prepaid licenses 1,620 3,076 Prepaid insurance 1,004 2,161 Others 997 922 Prepaid expenses and other current assets $ 9,633 $ 23,784

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2022
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; unadjusted quoted prices for identical or similar assets or liabilities in markets that are not active; inputs other than quoted prices that are observable for the asset or liability. Level 3 Unobservable inputs for the asset or liability.
Summary of Financial Assets Measured at Fair Value on a Recurring Basis	Our financial assets measured at fair value on a recurring basis are summarized below by their classification within the fair value hierarchy as of the dates presented below (in thousands): June 30, 2022 Carrying Value Level 1 Level 2 Level 3 Total Assets Cash equivalents Money market funds $ 14,263 $ 14,263 $ — $ — $ 14,263 Commercial paper 121,717 — 121,717 — 121,717 Short-term marketable securities Commercial paper 4,466 — 4,466 — 4,466 Total assets measured at fair value $ 140,446 $ 14,263 $ 126,183 $ — $ 140,446 December 31, 2021 Carrying Value Level 1 Level 2 Level 3 Total Assets Cash equivalents Money market funds $ 9,217 $ 9,217 $ — $ — $ 9,217 Commercial paper 39,456 — 39,456 — 39,456 Short-term marketable securities Commercial paper 38,801 — 38,801 — 38,801 Corporate bond 2,505 — 2,505 — 2,505 Total assets measured at fair value $ 89,979 $ 9,217 $ 80,762 $ — $ 89,979
Summary of Contractual Maturities	The following table summarizes our cash equivalents and available-for-sale debt securities by contractual maturity (in thousands): As of June 30, 2022 Amortized Cost Fair Value Due in 1 year $ 140,458 $ 140,446
Summary of Unrealized Gains and Losses	Unrealized gains and losses on available-for-sale debt securities that are not credit related are included in accumulated other comprehensive income and summarized as follows as of June 30, 2022 (in thousands): Amortized Cost Unrealized Gains Unrealized Losses Fair Value Cash equivalents Money market funds $ 14,263 $ — $ — $ 14,263 Commercial paper 121,729 2 (14) 121,717 Short-term marketable securities Commercial paper 4,466 — — 4,466 Total $ 140,458 $ 2 $ (14) $ 140,446

Equity (Tables)

Equity (Tables)	6 Months Ended
	Jun. 30, 2022
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 Six Months Ended 2022 2021 2022 2021 Restricted stock units* $ 5,232 $ 7,646 $ 9,938 $ 18,365 Common stock options 294 140 551 320 Employee stock purchase plan (21) 459 301 962 Total stock-based compensation expense $ 5,505 $ 8,245 $ 10,790 $ 19,647 _________ * Amounts include market-based and performance-based restricted stock units.
Schedule of Stock-Based Compensation Expense by Operating Function	The following table summarizes stock-based compensation expense by operating function for the periods presented below (in thousands): Three Months Ended Six Months Ended 2022 2021 2022 2021 Marketing and advertising $ 428 $ 2,140 $ 741 $ 4,625 Customer care and enrollment 512 692 966 1,161 Technology and content 1,821 2,360 3,671 5,103 General and administrative 2,744 3,053 5,412 8,758 Total stock-based compensation expense $ 5,505 $ 8,245 $ 10,790 $ 19,647 Amount capitalized for internal-use software 538 553 1,044 1,103 Total stock-based compensation $ 6,043 $ 8,798 $ 11,834 $ 20,750

Convertible Preferred Stock (Ta

Convertible Preferred Stock (Tables)	6 Months Ended
	Jun. 30, 2022
Temporary Equity Disclosure [Abstract]
Summary of Convertible Preferred Stock	The following table summarizes the proceeds and changes to our Series A preferred stock (in thousands): Gross proceeds $ 225,000 Less: issuance costs (10,975) Net proceeds $ 214,025 Balance as of Closing Date $ 214,025 Accrued paid-in-kind dividends 12,206 Change in preferred stock redemption value 6,361 Balance as of December 31, 2021 $ 232,592 Accrued paid-in-kind dividends 9,488 Change in preferred stock redemption value 5,257 Balance as of June 30, 2022 $ 247,337

Net Loss Per Share Attributab_2

Net Loss Per Share Attributable to Common Stockholders (Tables)	6 Months Ended
	Jun. 30, 2022
Earnings Per Share [Abstract]
Schedule of Computation of Basic and Diluted Net Loss Per Share	The following table sets forth the computation of basic and diluted net loss attributable to common stockholders per share (in thousands, except per share amounts): Three Months Ended Six Months Ended 2022 2021 2022 2021 Numerator: Net loss attributable to common stockholders $ (45,029) $ (22,888) $ (84,989) $ (23,688) Denominator: Shares used in per share calculation – basic 27,276 26,677 27,283 26,639 Dilutive effect of common stock — — — — Shares used in diluted share calculation 27,276 26,677 27,283 26,639 Net loss attributable to common stockholders per share – basic and diluted $ (1.65) $ (0.86) $ (3.12) $ (0.89)
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share	The number of outstanding anti-dilutive shares that were excluded from the computation of diluted net loss per share consisted of the following (in thousands): Three Months Ended Six Months Ended 2022 2021 2022 2021 Convertible preferred stock 3,071 2,827 3,041 2,827 Restricted stock units* 1,939 885 1,334 978 Common stock options 253 351 258 358 Employee stock purchase program 118 1 — 2 Total 5,381 4,064 4,633 4,165 _________ * Amounts include market-based and performance-based restricted stock units.

Commitments and Contingencies (

Commitments and Contingencies (Tables)	6 Months Ended
	Jun. 30, 2022
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 June 30, 2022 (in thousands): For the Years Ending December 31, Remainder of 2022 $ 6,851 2023 8,639 2024 2,470 2025 229 2026 — Thereafter — Total $ 18,189

Segment and Geographic Inform_2

Segment and Geographic Information (Tables)	6 Months Ended
	Jun. 30, 2022
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	The results of our operating segments are summarized for the periods presented below (in thousands): Three Months Ended Six Months Ended 2022 2021 2022 2021 Revenue: Medicare $ 41,062 $ 73,231 $ 136,129 $ 194,252 Individual, Family and Small Business 9,347 23,326 19,530 36,519 Total revenue $ 50,409 $ 96,557 $ 155,659 $ 230,771 Segment profit (loss) Medicare $ (25,271) $ (17,804) $ (40,088) $ 6,741 Individual, Family and Small Business 4,343 17,925 9,597 25,977 Segment profit (loss) (20,928) 121 (30,491) 32,718 Corporate (12,322) (13,093) (27,587) (28,379) Stock-based compensation expense (5,505) (8,245) (10,790) (19,647) Depreciation and amortization (5,349) (3,997) (10,127) (7,941) Amortization of intangible assets — (119) — (295) Restructuring and reorganization charges (1,369) — (6,192) (2,431) Other income (expense), net (1,167) 172 (2,188) 322 Loss before income taxes $ (46,640) $ (25,161) $ (87,375) $ (25,653)
Schedule of Long Lived Assets by Geographical Areas	Long-lived assets by geographical area are summarized as follows (in thousands): June 30, 2022 December 31, 2021 United States $ 43,651 $ 45,134 China 470 595 Total $ 44,121 $ 45,729
Schedule of Revenue by Major Customers	Carriers representing 10% or more of our total revenue are summarized as follows: Three Months Ended Six Months Ended 2022 2021 2022 2021 UnitedHealthCare (1) 23 % 21 % 21 % 21 % Humana 14 % 18 % 19 % 18 % Centene (1) 13 % 12 % 14 % 12 % Aetna (1) 11 % 22 % 11 % 22 % __________ (1) Percentages include the carriers' subsidiaries.

Leases (Tables)

Leases (Tables)	6 Months Ended
	Jun. 30, 2022
Leases [Abstract]
Schedule of Supplemental Information	Supplemental information related to leases are as follows (dollars in thousands): June 30, 2022 December 31, 2021 Weighted-average remaining lease term of operating leases 5.9 years 6.3 years Weighted-average discount rate used to recognize operating lease right-of-use-assets 5.4 % 5.4 % Six Months Ended 2022 2021 Operating lease expense $ 3,824 $ 3,825 Cash outflows related to operating leases 3,909 3,802
Schedule of Operating Lease Maturities	As of June 30, 2022, maturities of operating lease liabilities are as follows (in thousands): Year ending December 31, Remainder of 2022 $ 3,788 2023 8,029 2024 7,828 2025 8,005 2026 6,734 Thereafter 12,827 Total lease payments (1) $ 47,211 Less imputed interest (8,551) Total $ 38,660 ____________ (1) Noncancellable sublease income for the remainder of 2022 and year ending December 31, 2023 of $0.3 million and $0.4 million, respectively, is not included in the table above.

Restructuring and Reorganizat_2

Restructuring and Reorganization (Tables)	6 Months Ended
	Jun. 30, 2022
Restructuring and Related Activities [Abstract]
Summary of Restructuring and Other Related Liabilities	The following table summarizes the cash-based restructuring and reorganization related liabilities (in thousands): Six Months Ended June 30, 2022 Beginning balance $ 146 Restructuring and reorganization charges 6,192 Payments (5,346) Ending balance $ 992

Income Taxes (Tables)

Income Taxes (Tables)	6 Months Ended
	Jun. 30, 2022
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 periods presented below (in thousands, except effective tax rate): Three Months Ended Six Months Ended 2022 2021 2022 2021 Loss before income taxes $ (46,640) $ (25,161) $ (87,375) $ (25,653) Benefit from income taxes (9,138) (6,752) (17,131) (6,444) Effective tax rate 19.6 % 26.8 % 19.6 % 25.1 %

Summary of Business and Signi_3

Summary of Business and Significant Accounting Policies (Details) $ / shares in Units, $ in Thousands	3 Months Ended			6 Months Ended		12 Months Ended
	Jun. 30, 2022 USD ($) state insurance_carrier $ / shares	Jun. 30, 2021 USD ($) $ / shares	Mar. 31, 2021 USD ($) $ / shares	Jun. 30, 2022 USD ($) state insurance_carrier $ / shares	Jun. 30, 2021 USD ($) $ / shares	Dec. 31, 2020 USD ($)
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Number of health insurance carriers (more than) | insurance_carrier	200			200
Number of states in which the Company is licensed to market and sell health insurance | state	50			50
Total stock-based compensation expense	$ 5,505	$ 8,245		$ 10,790	$ 19,647
Cost of revenue	423	246		296	1,242
Change in net income (loss)	$ 37,502	$ 18,409		$ 70,244	$ 19,209
Basic (in dollars per share) | $ / shares	$ (1.65)	$ (0.86)		$ (3.12)	$ (0.89)
Diluted (in dollars per share) | $ / shares	$ (1.65)	$ (0.86)		$ (3.12)	$ (0.89)
Under-Recognition Of Stock-Based Compensation Expense
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total stock-based compensation expense						$ 3,000
Out-Of-Period Adjustments
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Change in net income (loss)			$ 1,500	$ 1,500
Basic (in dollars per share) | $ / shares			$ 0.06	$ 0.06
Diluted (in dollars per share) | $ / shares			$ 0.06	$ 0.06
License | Over-Recognition Of Licensing Costs
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Cost of revenue						$ 1,500

Revenue - Disaggregation of Rev

Revenue - Disaggregation of Revenue (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Disaggregation of Revenue [Line Items]
Total revenue	$ 50,409	$ 96,557	$ 155,659	$ 230,771
Medicare
Disaggregation of Revenue [Line Items]
Total revenue	38,652	67,036	124,362	180,519
Medicare | Medicare Advantage
Disaggregation of Revenue [Line Items]
Total revenue	36,477	69,142	114,607	172,667
Medicare | Medicare Supplement
Disaggregation of Revenue [Line Items]
Total revenue	2,637	3,921	8,757	12,143
Medicare | Medicare Part D
Disaggregation of Revenue [Line Items]
Total revenue	(462)	(6,027)	998	(4,291)
Individual and Family
Disaggregation of Revenue [Line Items]
Total revenue	3,114	13,914	6,240	19,381
Individual and Family | Non-Qualified Health Plans
Disaggregation of Revenue [Line Items]
Total revenue	2,369	11,076	3,979	14,443
Individual and Family | Qualified Health Plans
Disaggregation of Revenue [Line Items]
Total revenue	745	2,838	2,261	4,938
Ancillary
Disaggregation of Revenue [Line Items]
Total revenue	2,648	7,128	5,479	10,852
Ancillary | Short-term
Disaggregation of Revenue [Line Items]
Total revenue	977	1,513	2,320	3,269
Ancillary | Dental
Disaggregation of Revenue [Line Items]
Total revenue	703	3,660	1,534	5,388
Ancillary | Vision
Disaggregation of Revenue [Line Items]
Total revenue	253	934	496	1,139
Ancillary | Other
Disaggregation of Revenue [Line Items]
Total revenue	715	1,021	1,129	1,056
Small Business
Disaggregation of Revenue [Line Items]
Total revenue	2,423	2,290	5,906	5,513
Commission Bonus and Other
Disaggregation of Revenue [Line Items]
Total revenue	998	(545)	(302)	610
Commission
Disaggregation of Revenue [Line Items]
Total revenue	47,835	89,823	141,685	216,875
Other
Disaggregation of Revenue [Line Items]
Total revenue	2,574	6,734	13,974	13,896
Other | Sponsorship and Advertising Revenue
Disaggregation of Revenue [Line Items]
Total revenue	2,091	6,023	12,735	11,837
Other | Other
Disaggregation of Revenue [Line Items]
Total revenue	$ 483	$ 711	$ 1,239	$ 2,059

Revenue - Commission Revenue by

Revenue - Commission Revenue by Segment (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Disaggregation of Revenue [Line Items]
Total revenue	$ 50,409	$ 96,557	$ 155,659	$ 230,771
Basic (in dollars per share)	$ (1.65)	$ (0.86)	$ (3.12)	$ (0.89)
Diluted (in dollars per share)	$ (1.65)	$ (0.86)	$ (3.12)	$ (0.89)
Commission
Disaggregation of Revenue [Line Items]
Total revenue	$ 47,835	$ 89,823	$ 141,685	$ 216,875
Commission Revenue from Members Approved During the Period
Disaggregation of Revenue [Line Items]
Total revenue	54,467	83,806	144,792	204,879
Commission Revenue from Renewals of Small Business Members During the Period
Disaggregation of Revenue [Line Items]
Total revenue	2,044	1,723	5,081	4,410
Total Net Commission Revenue from Members Approved in Prior Periods
Disaggregation of Revenue [Line Items]
Total revenue	$ (8,676)	$ 4,294	$ (8,188)	$ 7,586
Basic (in dollars per share)	$ (0.32)	$ 0.16	$ (0.30)	$ 0.28
Diluted (in dollars per share)	$ (0.32)	$ 0.16	$ (0.30)	$ 0.28
Change in revenue	$ (13,700)	$ (18,500)	$ (13,700)	$ (19,400)
Medicare | Commission
Disaggregation of Revenue [Line Items]
Total revenue	39,067	67,055	123,401	181,747
Medicare | Commission Revenue from Members Approved During the Period
Disaggregation of Revenue [Line Items]
Total revenue	49,855	78,598	134,138	193,276
Medicare | Commission Revenue from Renewals of Small Business Members During the Period
Disaggregation of Revenue [Line Items]
Total revenue			0	0
Medicare | Total Net Commission Revenue from Members Approved in Prior Periods
Disaggregation of Revenue [Line Items]
Total revenue	(10,788)	(11,543)	(10,737)	(11,529)
Individual, Family and Small Business | Commission
Disaggregation of Revenue [Line Items]
Total revenue	8,768	22,768	18,284	35,128
Individual, Family and Small Business | Commission Revenue from Members Approved During the Period
Disaggregation of Revenue [Line Items]
Total revenue	4,612	5,208	10,654	11,603
Individual, Family and Small Business | Commission Revenue from Renewals of Small Business Members During the Period
Disaggregation of Revenue [Line Items]
Total revenue	2,044	1,723	5,081	4,410
Individual, Family and Small Business | Total Net Commission Revenue from Members Approved in Prior Periods
Disaggregation of Revenue [Line Items]
Total revenue	$ 2,112	$ 15,837	$ 2,549	$ 19,115

Supplemental Financial Statem_3

Supplemental Financial Statement Information- Schedule of Cash, Cash Equivalents and Restricted Cash (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021	Jun. 30, 2021	Dec. 31, 2020
Balance Sheet Related Disclosures [Abstract]
Cash	$ 58,761	$ 33,253
Cash equivalents	135,980	48,673
Cash and cash equivalents	194,741	81,926
Restricted cash	3,239	3,239
Total cash, cash equivalents and restricted cash	$ 197,980	$ 85,165	$ 232,614	$ 47,113

Supplemental Financial Statem_4

Supplemental Financial Statement Information - Narrative (Details) - USD ($)	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Cash and Cash Equivalents [Line Items]
Restricted cash	$ 3,239,000		$ 3,239,000
Write-off	0	$ 0
China
Cash and Cash Equivalents [Line Items]
Deposits	$ 4,400,000

Supplemental Financial Statem_5

Supplemental Financial Statement Information - Schedule of Allowance for Credit Loss (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2022 USD ($)
Contract with Customer, Asset, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 2,198
Change in allowance	34
Ending balance	$ 2,232

Supplemental Financial Statem_6

Supplemental Financial Statement Information - Schedule of Commissions Receivable (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Change in Contract with Customer, Asset [Roll Forward]
Beginning balance			$ 908,262	$ 792,405
Total revenue	$ 50,409	$ 96,557	155,659	230,771
Cash receipts			(248,300)	(253,883)
Net change in credit loss allowance			(34)	225
Ending balance	801,613	755,622	801,613	755,622
Medicare Segment
Change in Contract with Customer, Asset [Roll Forward]
Beginning balance			837,474	739,637
Cash receipts			(224,989)	(230,446)
Net change in credit loss allowance			(31)	206
Ending balance	735,855	691,144	735,855	691,144
IFP/SMB Segment
Change in Contract with Customer, Asset [Roll Forward]
Beginning balance			70,788	52,768
Cash receipts			(23,311)	(23,437)
Net change in credit loss allowance			(3)	19
Ending balance	65,758	64,478	65,758	64,478
Commission Revenue from Members Approved During the Period
Change in Contract with Customer, Asset [Roll Forward]
Total revenue	54,467	83,806	144,792	204,879
Commission Revenue from Members Approved During the Period | Medicare Segment
Change in Contract with Customer, Asset [Roll Forward]
Total revenue	49,855	78,598	134,138	193,276
Commission Revenue from Members Approved During the Period | IFP/SMB Segment
Change in Contract with Customer, Asset [Roll Forward]
Total revenue	4,612	5,208	10,654	11,603
Commission Revenue from Renewals of Small Business Members During the Period
Change in Contract with Customer, Asset [Roll Forward]
Total revenue	2,044	1,723	5,081	4,410
Commission Revenue from Renewals of Small Business Members During the Period | Medicare Segment
Change in Contract with Customer, Asset [Roll Forward]
Total revenue			0	0
Commission Revenue from Renewals of Small Business Members During the Period | IFP/SMB Segment
Change in Contract with Customer, Asset [Roll Forward]
Total revenue	2,044	1,723	5,081	4,410
Net commission revenue from members approved in prior periods
Change in Contract with Customer, Asset [Roll Forward]
Total revenue	(8,676)	4,294	(8,188)	7,586
Net commission revenue from members approved in prior periods | Medicare Segment
Change in Contract with Customer, Asset [Roll Forward]
Total revenue	(10,788)	(11,543)	(10,737)	(11,529)
Net commission revenue from members approved in prior periods | IFP/SMB Segment
Change in Contract with Customer, Asset [Roll Forward]
Total revenue	$ 2,112	$ 15,837	$ 2,549	$ 19,115

Supplemental Financial Statem_7

Supplemental Financial Statement Information - Schedule of Credit Risk (Details) - Customer Concentration Risk - Accounts Receivable	6 Months Ended	12 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
UnitedHealthcare
Concentration Risk [Line Items]
Major customer revenue, percentage	24%	23%
Centene
Concentration Risk [Line Items]
Major customer revenue, percentage	9%	10%
Humana
Concentration Risk [Line Items]
Major customer revenue, percentage	26%	25%
Aetna
Concentration Risk [Line Items]
Major customer revenue, percentage	17%	17%

Supplemental Financial Statem_8

Supplemental Financial Statement Information - Schedule of Prepaid Expenses and Other Current Assets (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Balance Sheet Related Disclosures [Abstract]
Prepaid maintenance contracts	$ 4,185	$ 6,246
Prepaid expenses	1,827	11,379
Prepaid licenses	1,620	3,076
Prepaid insurance	1,004	2,161
Others	997	922
Prepaid expenses and other current assets	$ 9,633	$ 23,784

Fair Value Measurements - Summa

Fair Value Measurements - Summary of Financial Assets (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Assets
Short-term marketable securities	$ 4,466	$ 41,306
Commercial paper
Assets
Short-term marketable securities	4,466
Money market funds
Assets
Cash equivalents	14,263
Commercial paper
Assets
Cash equivalents	121,717
Recurring | Level 1
Assets
Total assets measured at fair value	14,263	9,217
Recurring | Level 2
Assets
Total assets measured at fair value	126,183	80,762
Recurring | Level 3
Assets
Total assets measured at fair value	0	0
Recurring | Carrying Value
Assets
Total assets measured at fair value	140,446	89,979
Recurring | Fair Value
Assets
Total assets measured at fair value	140,446	89,979
Recurring | Commercial paper | Level 1
Assets
Short-term marketable securities	0	0
Recurring | Commercial paper | Level 2
Assets
Short-term marketable securities	4,466	38,801
Recurring | Commercial paper | Level 3
Assets
Short-term marketable securities	0	0
Recurring | Commercial paper | Carrying Value
Assets
Short-term marketable securities	4,466	38,801
Recurring | Commercial paper | Fair Value
Assets
Short-term marketable securities	4,466	38,801
Recurring | Corporate bond | Level 1
Assets
Short-term marketable securities		0
Recurring | Corporate bond | Level 2
Assets
Short-term marketable securities		2,505
Recurring | Corporate bond | Level 3
Assets
Short-term marketable securities		0
Recurring | Corporate bond | Carrying Value
Assets
Short-term marketable securities		2,505
Recurring | Corporate bond | Fair Value
Assets
Short-term marketable securities		2,505
Recurring | Money market funds | Level 1
Assets
Cash equivalents	14,263	9,217
Recurring | Money market funds | Level 2
Assets
Cash equivalents	0	0
Recurring | Money market funds | Level 3
Assets
Cash equivalents	0	0
Recurring | Money market funds | Carrying Value
Assets
Cash equivalents	14,263	9,217
Recurring | Money market funds | Fair Value
Assets
Cash equivalents	14,263	9,217
Recurring | Commercial paper | Level 1
Assets
Cash equivalents	0	0
Recurring | Commercial paper | Level 2
Assets
Cash equivalents	121,717	39,456
Recurring | Commercial paper | Level 3
Assets
Cash equivalents	0	0
Recurring | Commercial paper | Carrying Value
Assets
Cash equivalents	121,717	39,456
Recurring | Commercial paper | Fair Value
Assets
Cash equivalents	$ 121,717	$ 39,456

Fair Value Measurements - Contr

Fair Value Measurements - Contractual Maturities (Details) $ in Thousands	Jun. 30, 2022 USD ($)
Amortized Cost
Due in 1 year	$ 140,458
Fair Value
Due in 1 year	$ 140,446

Fair Value Measurements - Unrea

Fair Value Measurements - Unrealized Gains and Losses (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Cash equivalents
Cash and cash equivalents	$ 194,741	$ 81,926
Short-term marketable securities
Fair Value	4,466	$ 41,306
Total	140,458
Unrealized Gains	2
Unrealized Losses	(14)
Fair Value	140,446
Money market funds
Cash equivalents
Cash and cash equivalents	14,263
Unrealized Gains	0
Unrealized Losses	0
Fair Value	14,263
Commercial paper
Cash equivalents
Cash and cash equivalents	121,729
Unrealized Gains	2
Unrealized Losses	(14)
Fair Value	121,717
Commercial paper
Short-term marketable securities
Amortized Cost	4,466
Unrealized Gains	0
Unrealized Losses	0
Fair Value	$ 4,466

Fair Value Measurements - Narra

Fair Value Measurements - Narrative (Details)	Jun. 30, 2022 security
Fair Value Disclosures [Abstract]
Number of securities in net loss positions	30

Equity - Narrative (Details)

Equity - Narrative (Details) - shares	1 Months Ended	3 Months Ended	6 Months Ended
	Mar. 31, 2022	Jun. 30, 2022	Jun. 30, 2022	Dec. 31, 2021	Sep. 22, 2021
Equity, Class of Treasury Stock [Line Items]
Shares reserved for future issuance (in shares)					410,000
Additional shares reserved (in shares)	500,000
Granted (in shares)			543,960
Number of shares repurchased under share repurchase plan (in shares)		0	0
Treasury shares that were previously surrendered by employees to satisfy tax withholdings (in shares)			1,600,000
Treasury stock (in shares)		12,300,000	12,300,000	12,000,000
Previous share repurchase programs
Equity, Class of Treasury Stock [Line Items]
Number of shares repurchased under share repurchase plan (in shares)			10,700,000

Equity - Schedule of Stock-Base

Equity - Schedule of Stock-Based Compensation Expense (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	$ 5,505	$ 8,245	$ 10,790	$ 19,647
Amount capitalized for internal-use software	538	553	1,044	1,103
Total stock-based compensation	6,043	8,798	11,834	20,750
Marketing and advertising
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	428	2,140	741	4,625
Customer care and enrollment
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	512	692	966	1,161
Technology and content
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	1,821	2,360	3,671	5,103
General and administrative
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	2,744	3,053	5,412	8,758
Restricted stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	5,232	7,646	9,938	18,365
Common stock options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	294	140	551	320
Employee stock purchase plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	$ (21)	$ 459	$ 301	$ 962

Convertible Preferred Stock - N

Convertible Preferred Stock - Narrative (Details) $ / shares in Units, $ in Thousands				6 Months Ended
	Apr. 30, 2024 day	Jun. 30, 2023	Apr. 30, 2021 USD ($) state vote $ / shares shares	Jun. 30, 2022 USD ($) $ / shares shares	Apr. 30, 2027 day	Aug. 17, 2023	Dec. 31, 2021 USD ($)	Feb. 17, 2021 USD ($)
Temporary Equity [Line Items]
Sale of stock, shares issued (in shares) | shares			2,250,000
Preferred Stock, par value (in dollars per share) | $ / shares			$ 0.001
Gross proceeds			$ 225,000
Carrying amount			214,025	$ 247,337			$ 232,592
Issuance costs			$ 10,975
Dividend rate				8%
Stated value (in dollars per share) | $ / shares				$ 100
Conversion rate (in dollars per share) | $ / shares				$ 79.5861
Redemption put right, percentage of accrued value				135%
Number of votes per share | vote			1
Asset coverage ratio								200%
Shares converted (in shares) | shares				0
Accrued paid-in-kind dividends, common stock equivalent, as-converted (in shares) | shares				3,100,000
Minimum
Temporary Equity [Line Items]
Minimum liquidity amount								$ 65,000
Maximum
Temporary Equity [Line Items]
Minimum liquidity amount								$ 125,000
H.I.G
Temporary Equity [Line Items]
Number of nominations to board of directors | state			1
Minimum common stock ownership percentage needed to nominate individual to board of directors			30%
Minimum ownership percentage								30%
Scenario, Forecast
Temporary Equity [Line Items]
Dividend rate, payable-in-kind		6%
Dividend rate, cash		2%
Redemption put right, percentage of accrued value					135%
Redemption call right, number of days for written notice | day					30
Threshold percentage of conversion price	167.50%
Threshold consecutive trading days | day	20
Threshold trading days | day	30
Asset coverage ratio						250%

Convertible Preferred Stock - S

Convertible Preferred Stock - Summary of Stock (Details) - USD ($) $ in Thousands		6 Months Ended	8 Months Ended
	Apr. 30, 2021	Jun. 30, 2022	Dec. 31, 2021
Temporary Equity Disclosure [Abstract]
Gross proceeds	$ 225,000
Less: issuance costs	(10,975)
Net proceeds	214,025
Increase (Decrease) in Temporary Equity [Roll Forward]
Beginning balance		$ 232,592
Accrued paid-in-kind dividends		9,488	$ 12,206
Change in preferred stock redemption value		5,257	6,361
Ending balance	$ 214,025	$ 247,337	$ 232,592

Net Loss Per Share Attributab_3

Net Loss Per Share Attributable to Common Stockholders - Computation of Basic and Diluted Net Loss per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Numerator:
Net loss attributable to common stockholders, basic	$ (45,029)	$ (22,888)	$ (84,989)	$ (23,688)
Net loss attributable to common stockholders, diluted	$ (45,029)	$ (22,888)	$ (84,989)	$ (23,688)
Denominator:
Shares used in per share calculation - basic (in shares)	27,276	26,677	27,283	26,639
Dilutive effect of common stock (in shares)	0	0	0	0
Shares used in diluted share calculation (in shares)	27,276	26,677	27,283	26,639
Net loss attributable to common stockholders per share - basic (in usd per share)	$ (1.65)	$ (0.86)	$ (3.12)	$ (0.89)
Net loss attributable to common stockholders per share - diluted (in usd per share)	$ (1.65)	$ (0.86)	$ (3.12)	$ (0.89)

Net Loss Per Share Attributab_4

Net Loss Per Share Attributable to Common Stockholders - Schedule of Anti-Dilutive Shares Excluded from Computation Of Net Income Per Share (Details) - shares shares in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities (in shares)	5,381	4,064	4,633	4,165
Convertible preferred stock
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities (in shares)	3,071	2,827	3,041	2,827
Restricted stock units
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities (in shares)	1,939	885	1,334	978
Common stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities (in shares)	253	351	258	358
Employee stock purchase program
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities (in shares)	118	1	0	2

Commitments and Contingencies_2

Commitments and Contingencies (Details) $ in Thousands	1 Months Ended	3 Months Ended
	Apr. 30, 2020 claim	Oct. 13, 2020 claim	Jun. 30, 2022 USD ($)
Commitments and Contingencies Disclosure [Abstract]
Remainder of 2022			$ 6,851
2023			8,639
2024			2,470
2025			229
2026			0
Thereafter			0
Total			$ 18,189
New claims filed | claim	2	2

Segment and Geographic Inform_3

Segment and Geographic Information - Segment Operating Results (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022 USD ($)	Jun. 30, 2021 USD ($)	Jun. 30, 2022 USD ($) segment	Jun. 30, 2021 USD ($)
Segment Reporting Information [Line Items]
Number of operating segments | segment			2
Total revenue	$ 50,409	$ 96,557	$ 155,659	$ 230,771
Stock-based compensation expense	(5,505)	(8,245)	(10,790)	(19,647)
Depreciation and amortization	(5,349)	(3,997)	(10,127)	(7,941)
Amortization of intangible assets	0	(119)	0	(295)
Restructuring and reorganization charges	(1,369)	0	(6,192)	(2,431)
Other income (expense), net	(1,167)	172	(2,188)	322
Loss before income taxes	(46,640)	(25,161)	(87,375)	(25,653)
Operating Segments
Segment Reporting Information [Line Items]
Total revenue	50,409	96,557	155,659	230,771
Segment profit (loss)	(20,928)	121	(30,491)	32,718
Operating Segments | Medicare
Segment Reporting Information [Line Items]
Total revenue	41,062	73,231	136,129	194,252
Segment profit (loss)	(25,271)	(17,804)	(40,088)	6,741
Operating Segments | Individual, Family and Small Business
Segment Reporting Information [Line Items]
Total revenue	9,347	23,326	19,530	36,519
Segment profit (loss)	4,343	17,925	9,597	25,977
Corporate
Segment Reporting Information [Line Items]
Segment profit (loss)	$ (12,322)	$ (13,093)	$ (27,587)	$ (28,379)

Segment and Geographic Inform_4

Segment and Geographic Information - Schedule of Long-Lived Assets by Geographical Area (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Segment Reporting Information [Line Items]
Long-lived assets	$ 44,121	$ 45,729
United States
Segment Reporting Information [Line Items]
Long-lived assets	43,651	45,134
China
Segment Reporting Information [Line Items]
Long-lived assets	$ 470	$ 595

Segment and Geographic Inform_5

Segment and Geographic Information - Schedule of Revenue by Major Customers (Details) - Customer Concentration Risk - Revenue	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
UnitedHealthcare
Revenue, Major Customer [Line Items]
Major customer revenue, percentage	23%	21%	21%	21%
Humana
Revenue, Major Customer [Line Items]
Major customer revenue, percentage	14%	18%	19%	18%
Centene
Revenue, Major Customer [Line Items]
Major customer revenue, percentage	13%	12%	14%	12%
Aetna
Revenue, Major Customer [Line Items]
Major customer revenue, percentage	11%	22%	11%	22%

Leases - Narrative (Details)

Leases - Narrative (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Lessee, Lease, Description [Line Items]
Operating lease cost	$ 1.9	$ 1.9	$ 3.8	$ 3.8
Minimum
Lessee, Lease, Description [Line Items]
Remaining lease term	1 year		1 year
Maximum
Lessee, Lease, Description [Line Items]
Remaining lease term	8 years		8 years

Leases - Supplemental Informati

Leases - Supplemental Information (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Leases [Abstract]
Weighted-average remaining lease term of operating leases	5 years 10 months 24 days		6 years 3 months 18 days
Weighted-average discount rate used to recognize operating lease right-of-use-assets	5.40%		5.40%
Operating lease expense	$ 3,824	$ 3,825
Cash outflows related to operating leases	$ 3,909	$ 3,802

Leases - Maturities of Lease Li

Leases - Maturities of Lease Liabilities (Details) $ in Thousands	Jun. 30, 2022 USD ($)
Operating leases
Remainder of 2022	$ 3,788
2023	8,029
2024	7,828
2025	8,005
2026	6,734
Thereafter	12,827
Total lease payments	47,211
Less imputed interest	(8,551)
Total	38,660
Sublease income, remainder of 2022	300
Sublease income, 2023	$ 400

Restructuring and Reorganizat_3

Restructuring and Reorganization - Restructuring and Other Liabilities (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Restructuring Reserve [Roll Forward]
Beginning balance			$ 146
Restructuring and reorganization charges	$ 1,369	$ 0	6,192	$ 2,431
Payments			(5,346)
Ending balance	$ 992		$ 992

Restructuring and Reorganizat_4

Restructuring and Reorganization - Narrative (Details) $ in Thousands	1 Months Ended		3 Months Ended		6 Months Ended		12 Months Ended
	Apr. 30, 2022 employee	Feb. 28, 2021 employee	Jun. 30, 2022 USD ($)	Jun. 30, 2021 USD ($)	Jun. 30, 2022 USD ($)	Jun. 30, 2021 USD ($)	Dec. 31, 2021 USD ($)
Restructuring Cost and Reserve [Line Items]
Pre-tax restructuring charges					$ 6,200		$ 2,400
Positions eliminated | employee	339	89
Percentage of total workforce	14%	5%
Accrued restructuring charges			$ 992		992		146
Credit to stock-based compensation expense			(5,505)	$ (8,245)	(10,790)	$ (19,647)
General and administrative
Restructuring Cost and Reserve [Line Items]
Credit to stock-based compensation expense			$ (2,744)	$ (3,053)	$ (5,412)	$ (8,758)
Chief Executive Officer
Restructuring Cost and Reserve [Line Items]
Accrued restructuring charges							2,400
Chief Executive Officer | General and administrative
Restructuring Cost and Reserve [Line Items]
Credit to stock-based compensation expense							$ 4,100

Debt (Details)

Debt (Details) - Line of Credit - USD ($)		1 Months Ended	3 Months Ended
	Feb. 28, 2022	Feb. 28, 2022	Mar. 31, 2022	Jun. 30, 2022	Dec. 31, 2021
Secured Debt | Term Loan Credit Agreement
Debt Instrument [Line Items]
Maximum borrowing capacity	$ 70,000,000	$ 70,000,000
Debt issuance costs				$ 4,600,000	$ 400,000
Annual agreement fee	300,000
Minimum liquidity	$ 25,000,000	$ 25,000,000
Outstanding amount as a percentage of total contract assets - commissions receivables (less than)	50%	50%
Debt issuance costs, gross				5,100,000
Carrying value				$ 65,400,000
Secured Debt | Term Loan Credit Agreement | Federal Funds Rate
Debt Instrument [Line Items]
Basis spread on interest rate		0.50%
Secured Debt | Term Loan Credit Agreement | London Interbank Offered Rate (LIBOR)
Debt Instrument [Line Items]
Basis spread on interest rate		1%
Interest rate	7.50%	7.50%
Secured Debt | Term Loan Credit Agreement | Base Rate
Debt Instrument [Line Items]
Interest rate	6.50%	6.50%
Revolving Credit Facility | Revolving Credit Facility Agreement
Debt Instrument [Line Items]
Amount terminated	$ 75,000,000
Write-off of debt issuance costs			$ 400,000
Borrowings under line of credit	$ 0	$ 0

Income Taxes - Summary of Incom

Income Taxes - Summary of Income Tax Benefit (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Income Tax Disclosure [Abstract]
Loss before income taxes	$ (46,640)	$ (25,161)	$ (87,375)	$ (25,653)
Benefit from income taxes	$ (9,138)	$ (6,752)	$ (17,131)	$ (6,444)
Effective tax rate	19.60%	26.80%	19.60%	25.10%

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Income Tax Disclosure [Abstract]
Benefit from income taxes	$ (9,138)	$ (6,752)	$ (17,131)	$ (6,444)
Effective tax rate	19.60%	26.80%	19.60%	25.10%

Subsequent Event (Details)

Subsequent Event (Details) - Subsequent Event $ in Millions	Aug. 08, 2022 USD ($) ft²
Subsequent Event [Line Items]
Area of sublease (in square feet) | ft²	45,657
Base rent payments to be received | $	$ 13.5