Description of Ehealth Inc's Business Segments

Ehealth Inc. offers a comprehensive array of health insurance products and services aimed at various market segments, specifically focusing on Medicare-related insurance plans, individual and family plans, small business plans, and ancillary health insurance.

Medicare-Related Health Insurance Plans

Ehealth Inc. plays a significant role in the Medicare insurance market by providing tools for research, comparison, and purchase of Medicare-related health insurance plans. The key products and services under this segment include:

1. Medicare Advantage Plans: These are all-in-one plans that combine hospital, medical, and sometimes additional coverage like vision and dental. Ehealth helps consumers understand plan benefits, network providers, and potential costs through comparative analysis.

2. Medicare Supplement Plans (Medigap): These plans are designed to fill the gaps in Medicare coverage. Customers can explore various Medigap policies that complement their original Medicare coverage, assisting in understanding the different levels of coverage available and the associated premiums.

3. Medicare Part D Prescription Drug Plans: This segment allows consumers to access information about prescription drug coverage options available under Medicare. Ehealth assists users in finding plans that fit their medication needs and budget.

4. Ecommerce Platforms and Telephonic Enrollment: The platforms facilitate a user-friendly experience for consumers looking to enroll in Medicare plans. Users can conduct self-research or engage with customer service representatives for telephonic enrollment assistance.

5. Commission-Based Revenue Model: Ehealth earns revenue through commissions from insurance carriers when consumers purchase Medicare plans via its platforms. The commission structure varies based on the plan type but generally includes fixed initial commissions that may be prorated for the plan year and ongoing monthly or annual commissions thereafter for continued service.

Individual and Family, Small Business, and Ancillary Health Insurance Plans

In addition to Medicare-related offerings, Ehealth Inc. provides a broad range of health insurance plans aimed at individuals, families, and small businesses. This segment includes:

1. Individual and Family Plans (IFP): These plans cover a wide spectrum of healthcare needs for individuals and families. Ehealth facilitates access to numerous health plans, allowing users to compare premiums, benefits, and deductibles to find suitable coverage.

2. Small Business Health Plans: These plans cater to small businesses looking to provide health insurance options to their employees. Ehealth assists business owners in understanding group insurance options, coverage costs, and compliance requirements.

3. Ancillary Health Insurance: Ehealth provides ancillary health insurance options, which may include dental, vision, and disability insurance plans. Offering these options allows consumers to build a more comprehensive health coverage strategy.

4. Ecommerce Platforms: Through user-friendly digital platforms, Ehealth enables clients to explore various health insurance options, facilitating comparisons and facilitating easy online purchasing.

5. Commission Generation: Revenue in this segment is generated through commission payments from health insurance carriers based on plan sales. Historically, commissions for individual and family, small business, and ancillary plans have been based on a percentage of the premiums paid. More recently, there has been a shift toward flat commission amounts per enrolled member, effective from January 1, 2014, which has streamlined income for Ehealth.

6. Monthly Commission Structure: Commissions on policies sold are typically recurring and are paid monthly until the policy is canceled or the agencys relationship with the policyholder changes.

Conclusion

Ehealth Inc. provides a vast selection of health insurance products and services tailored to meet the diverse needs of Medicare beneficiaries, individuals, families, and small businesses. Through its ecommerce platforms and expert guidance, Ehealth empowers consumers to make informed decisions about their healthcare coverage, facilitating easy access and comparisons to optimize their choices. The commission structure creates a recurring revenue model, ensuring a sustainable income stream as clients maintain their policies over time.

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Composition of Ehealth Inc Revenues by Segments


Sponsorship and Advertising Revenue	1.91 %	of total Revenue
Fee-based and Other Revenue	7.42 %	of total Revenue
Medicare	92.33 %	of total Revenue
Individual and Family	1.47 %	of total Revenue
Individual and Family Non-Qualified Health Plans	0.93 %	of total Revenue
Individual and Family Qualified Health Plans	0.54 %	of total Revenue
Ancillary	5.53 %	of total Revenue
Ancillary Hospital Indemnity	3.11 %	of total Revenue
Ancillary Dental	1.23 %	of total Revenue
Ancillary Vision	0.68 %	of total Revenue
Ancillary Short-term	0.21 %	of total Revenue
Ancillary Other	0.29 %	of total Revenue
Small Business	3.97 %	of total Revenue
Commission Bonus and Other	0.21 %	of total Revenue
Total Commission Revenue	90.67 %	of total Revenue
Other Revenue	9.33 %	of total Revenue
Total Net Commission Revenue from Members Approved in Prior Periods	9.12 %	of total Revenue
Medicare Advantage Medicare	67.59 %	of total Revenue
Medicare Supplement Medicare	6.99 %	of total Revenue
Medicare Part D Medicare	4.92 %	of total Revenue
Commission	90.67 %	of total Revenue
Commission Medicare	83.2 %	of total Revenue
Commission Employer and Individual	7.47 %	of total Revenue
Commission revenue from members approved during the period	78.4 %	of total Revenue
Commission revenue from members approved during the period Medicare	75.48 %	of total Revenue
Commission revenue from members approved during the period Employer and Individual	2.92 %	of total Revenue
Commission revenue from renewals of small business members during the period	3.15 %	of total Revenue
Commission revenue from renewals of small business members during the period Employer and Individual	3.15 %	of total Revenue
Net commission revenue from members approved in prior periods	9.12 %	of total Revenue
Net commission revenue from members approved in prior periods Medicare	7.71 %	of total Revenue
Net commission revenue from members approved in prior periods Employer and Individual	1.41 %	of total Revenue
Employer and Individual	7.67 %	of total Revenue

Q1 three months ended (Mar 31 2026)
Revenues by Business Segments	Revenues (in millions $)	% (of total Revenues)
Sponsorship and Advertising Revenue	1.68	1.91 %
Fee-based and Other Revenue	6.53	7.42 %
Medicare	81.27	92.33 %
Individual and Family	1.29	1.47 %
Individual and Family Non-Qualified Health Plans	0.82	0.93 %
Individual and Family Qualified Health Plans	0.47	0.54 %
Ancillary	4.86	5.53 %
Ancillary Hospital Indemnity	2.73	3.11 %
Ancillary Dental	1.08	1.23 %
Ancillary Vision	0.60	0.68 %
Ancillary Short-term	0.19	0.21 %
Ancillary Other	0.26	0.29 %
Small Business	3.49	3.97 %
Commission Bonus and Other	0.18	0.21 %
Total Commission Revenue	79.81	90.67 %
Other Revenue	8.21	9.33 %
Total Net Commission Revenue from Members Approved in Prior Periods	8.03	9.12 %
Medicare Advantage Medicare	59.49	67.59 %
Medicare Supplement Medicare	6.15	6.99 %
Medicare Part D Medicare	4.33	4.92 %
Commission	79.81	90.67 %
Commission Medicare	73.23	83.2 %
Commission Employer and Individual	6.58	7.47 %
Commission revenue from members approved during the period	69.01	78.4 %
Commission revenue from members approved during the period Medicare	66.44	75.48 %
Commission revenue from members approved during the period Employer and Individual	2.57	2.92 %
Commission revenue from renewals of small business members during the period	2.77	3.15 %
Commission revenue from renewals of small business members during the period Employer and Individual	2.77	3.15 %
Net commission revenue from members approved in prior periods	8.03	9.12 %
Net commission revenue from members approved in prior periods Medicare	6.79	7.71 %
Net commission revenue from members approved in prior periods Employer and Individual	1.24	1.41 %
Employer and Individual	6.75	7.67 %
Total	88.02	100 %

Q1 three months ended (Mar 31 2026)
Revenue Growth rates by Segment	Y/Y Revenue %	Q/Q Revenue %
Sponsorship and Advertising Revenue	-79.35 %	-
Fee-based and Other Revenue	8.22 %	-
Medicare	-21.61 %	-
Individual and Family	-51.81 %	-
Individual and Family Non-Qualified Health Plans	-10.57 %	-
Individual and Family Qualified Health Plans	-73.26 %	-
Ancillary	-16.6 %	-
Ancillary Hospital Indemnity	28.3 %	-
Ancillary Dental	-51.52 %	-
Ancillary Vision	-21.85 %	-
Ancillary Short-term	-49.46 %	-
Ancillary Other	-21.04 %	-
Small Business	1.75 %	-
Commission Bonus and Other	-81.02 %	-
Total Commission Revenue	-19.34 %	-
Other Revenue	-42.07 %	-
Total Net Commission Revenue from Members Approved in Prior Periods	-	-
Medicare Advantage Medicare	-20.67 %	-
Medicare Supplement Medicare	-28.53 %	-
Medicare Part D Medicare	77.4 %	-
Commission	-19.34 %	-
Commission Medicare	-18.38 %	-
Commission Employer and Individual	-28.7 %	-
Commission revenue from members approved during the period	-19.4 %	-
Commission revenue from members approved during the period Medicare	-18.73 %	-
Commission revenue from members approved during the period Employer and Individual	-33.46 %	-
Commission revenue from renewals of small business members during the period	-2.77 %	-
Commission revenue from renewals of small business members during the period Employer and Individual	-2.77 %	-
Net commission revenue from members approved in prior periods	-23.4 %	-
Net commission revenue from members approved in prior periods Medicare	-14.75 %	-
Net commission revenue from members approved in prior periods Employer and Individual	-50.73 %	-
Employer and Individual	-28.6 %	-
Total	-22.19 %	-84.11 %

Q1 three months ended (Mar 31 2026)
Income by Business Segments	Income (in millions $)	% (Profit Margin)
Medicare	33.04	40.65 %
Employer and Individual	3.70	54.78 %
Total	-11.97	-

Q1 three months ended (Mar 31 2026)
Income Growth rates by Segment	Y/Y Income %	Q/Q Income %
Medicare	-7.58 %	-
Employer and Individual	-38.28 %	-
Total	-	-

Annual Report on Ehealth Inc Divisions, Sales by Country


Sponsorship and Advertising Revenue	5.54 %	of total Revenue
Fee-based and Other Revenue	4.58 %	of total Revenue
Medicare	83.18 %	of total Revenue
Individual and Family	0.69 %	of total Revenue
Individual and Family Non-Qualified Health Plans	0.34 %	of total Revenue
Individual and Family Qualified Health Plans	0.35 %	of total Revenue
Ancillary	3.47 %	of total Revenue
Ancillary Hospital Indemnity	2.19 %	of total Revenue
Ancillary Dental	0.57 %	of total Revenue
Ancillary Vision	0.34 %	of total Revenue
Ancillary Short-term	0.23 %	of total Revenue
Ancillary Other	0.14 %	of total Revenue
Small Business	2 %	of total Revenue
Commission Bonus and Other	0.53 %	of total Revenue
Total Commission Revenue	89.88 %	of total Revenue
Commission	89.88 %	of total Revenue
Commission revenue from members approved during the period	80.28 %	of total Revenue
Commission revenue from renewals of small business members during the period	1.6 %	of total Revenue
Net commission revenue from members approved in prior periods	8.01 %	of total Revenue
Medicare Medicare Advantage	76.14 %	of total Revenue
Medicare Medicare Supplement	6.16 %	of total Revenue
Medicare Medicare Part D	0.88 %	of total Revenue
Medicare Commission	85.95 %	of total Revenue
Medicare Commission revenue from members approved during the period	78.19 %	of total Revenue
Employer and Individual Commission	3.93 %	of total Revenue
Employer and Individual Commission revenue from members approved during the period	2.08 %	of total Revenue
Employer and Individual Commission revenue from renewals of small business members during the period	1.6 %	of total Revenue
Other	10.12 %	of total Revenue
Medicare Net commission revenue from members approved in prior periods	7.75 %	of total Revenue
Employer and Individual Net commission revenue from members approved in prior periods	0.25 %	of total Revenue
E I Net commission revenue from members approved in prior periods	0.25 %	of total Revenue
Medicare Segment	95.89 %	of total Revenue
E I Segment	4.11 %	of total Revenue

Twelve months ended 2025
EHTH s Annual Revenue by Geography and Business Segments	Sales (in millions $)	% (of total Sales)
Sponsorship and Advertising Revenue	30.70	5.54 %
Fee-based and Other Revenue	25.35	4.58 %
Medicare	460.84	83.18 %
Individual and Family	3.83	0.69 %
Individual and Family Non-Qualified Health Plans	1.90	0.34 %
Individual and Family Qualified Health Plans	1.93	0.35 %
Ancillary	19.23	3.47 %
Ancillary Hospital Indemnity	12.16	2.19 %
Ancillary Dental	3.18	0.57 %
Ancillary Vision	1.86	0.34 %
Ancillary Short-term	1.26	0.23 %
Ancillary Other	0.77	0.14 %
Small Business	11.10	2 %
Commission Bonus and Other	2.96	0.53 %
Total Commission Revenue	497.96	89.88 %
Commission	497.96	89.88 %
Commission revenue from members approved during the period	444.74	80.28 %
Commission revenue from renewals of small business members during the period	8.86	1.6 %
Net commission revenue from members approved in prior periods	44.35	8.01 %
Total	554.01	100 %
Medicare Medicare Advantage	421.81	76.14 %
Medicare Medicare Supplement	34.14	6.16 %
Medicare Medicare Part D	4.88	0.88 %
Medicare Commission	476.17	85.95 %
Medicare Commission revenue from members approved during the period	433.21	78.19 %
Employer and Individual Commission	21.79	3.93 %
Employer and Individual Commission revenue from members approved during the period	11.54	2.08 %
Employer and Individual Commission revenue from renewals of small business members during the period	8.86	1.6 %
Other	56.05	10.12 %
Medicare Net commission revenue from members approved in prior periods	42.96	7.75 %
Employer and Individual Net commission revenue from members approved in prior periods	1.39	0.25 %
E I Net commission revenue from members approved in prior periods	1.39	0.25 %
Medicare Segment	531.21	95.89 %
E I Segment	22.80	4.11 %

Twelve months ended 2025
EHTH s Annual Income by Country and Business Segments	Income (in millions $)	% (Profit Margin)
Total	13.20	2.38 %

Twelve months ended 2025
Annual Revenue and Income Growth by Country and Business Segments	% Y/Y Sales Growth	% Y/Y Income Growth
Sponsorship and Advertising Revenue	-32.5 %	-
Fee-based and Other Revenue	0.28 %	-
Medicare	7.84 %	-
Individual and Family	-54.38 %	-
Individual and Family Non-Qualified Health Plans	-47.83 %	-
Individual and Family Qualified Health Plans	-59.39 %	-
Ancillary	78.22 %	-
Ancillary Hospital Indemnity	667 %	-
Ancillary Dental	-9.42 %	-
Ancillary Vision	-9.84 %	-
Ancillary Short-term	-45.84 %	-
Ancillary Other	-41.1 %	-
Small Business	-3.84 %	-
Commission Bonus and Other	-16.95 %	-
Total Commission Revenue	7.86 %	-
Commission	7.86 %	-
Commission revenue from members approved during the period	3.58 %	-
Commission revenue from renewals of small business members during the period	-7.32 %	-
Net commission revenue from members approved in prior periods	95.08 %	-
Total	4.06 %	-
Medicare Medicare Advantage	6.8 %	-
Medicare Medicare Supplement	73.89 %	-
Medicare Medicare Part D	-61.76 %	-
Medicare Commission	10.33 %	-
Medicare Commission revenue from members approved during the period	4.92 %	-
Employer and Individual Commission	-27.57 %	-
Employer and Individual Commission revenue from members approved during the period	-29.92 %	-
Employer and Individual Commission revenue from renewals of small business members during the period	-7.32 %	-
Other	-20.79 %	-
Medicare Net commission revenue from members approved in prior periods	130.01 %	-
Employer and Individual Net commission revenue from members approved in prior periods	-65.76 %	-
E I Net commission revenue from members approved in prior periods	-65.76 %	-
Medicare Segment	6.11 %	-
E I Segment	-28.25 %	-

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