易康 2026年季度报告

Commission File Number:001-33071 EHEALTH, INC. (Exact name of registrant as specified in its charter)_____________________________________________ (Address of principal executive offices) (737) 248-2340(Registrant’s telephone number, including area code) Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during thepreceding 12 months (or for such shorter period that the Registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90days. Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulations S-T(§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growthcompany. See the definitions of “large accelerated filer,”“accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of theExchange Act. Large accelerated filer If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revisedfinancial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes☐No☒The number of shares of the registrant’s common stock, par value $0.001 per share, outstanding as of May1, 2026 was31,741,018 shares. CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS In addition to historical information, this Quarterly Report on Form 10-Q contains forward-looking statementswithin the meaning of Section 27A of the Securities Act of 1933, as amended (the “Securities Act”) and Section 21E of theSecuritiesExchange Act of 1934,as amended(the“Exchange Act”).The words“expect,”“anticipate,”“believe,”“estimate,” “target,” “goal,” “project,” “hope,” “intend,” “plan,” “seek,” “continue,” “may,” “could,” “should,” “might,” “forecast,”“depends,” “predict,” “are positioned” and variations or the negative of such words and similar expressions are intended toidentify such forward-looking statements. These statements include, among other things, statements regarding thefollowing: •our expectations relating to estimated membership and approved members;•our estimates regarding the constrained lifetime value of commissions per approved member and commissionsreceivable;•our expectations relating to revenue, operating costs, cash flows and profitability;•our expectations regarding our strategy and investments;•our expectations regarding our business, industry and market trends, including market opportunity, consumerdemand and our competitive advantage;•our expectations regarding our ability to enter into and maintain relationships with health insurance carriers onfavorable economic terms;•our expectations regarding our Medicare, individual and family, employer and other ancillary products, includinganticipated trends and our ability to enroll members;•our expectations regarding our operational initiatives;•our strategic objectives, including our lifetime advisory model, product diversification efforts, business and growthstrategy, cost management and cash flow generation, and our ability to achieve such strategic objectives;•our expectations regarding any potential financings, strategic partnerships or other transactions we may enterinto;•the impact of future and existing laws and regulations on our business;•the impact of public health crises, pandemics, natural disasters and other extreme events;•theimpact of macroeconomic conditions,including adverse events or perceptions affecting the U.S.orinternational financial systems, tariffs, trade and geopolitical tensions, inflationary pressures and the politicalclimate on our business;•our expectations regarding commission rates, conversion rates, plan termination rates and duration, membershipretention rates and membership acquisition costs;•our expectations regarding insurance agent licensing and productivity;•our expectations regarding beneficiary complaints, customer experience and enrollment quality;•our expectations relating to the seasonality of our business;•expected competition, including from government-run health insurance exchanges and marketplaces, and othersources;•our expectations relating to marketing and advertising investments and expected contributions from our marketingand strategic partnership channels;•the timing of our receipt of commission and other payments;•our critical accounting policies and related estimates;•liquidity and capital needs;•political,legislative,regulatory and legal challenges,