Here are 1-2 brief analogies to describe GoHealth (GOCO):

• Expedia for health insurance plans: GoHealth helps individuals compare and enroll in health insurance plans from various carriers, similar to how Expedia helps you find flights and hotels.
• LendingTree for health insurance: GoHealth aggregates different health insurance options and connects consumers with plans that fit their needs, much like LendingTree does for loan products.

• Medicare Enrollment Services: GoHealth connects seniors with suitable Medicare Advantage and Medicare Supplement plans, providing agent assistance for selection and enrollment.
• Individual & Family Health Insurance: They offer a platform and agent support for consumers seeking to find and enroll in individual and family health insurance plans, including ACA and short-term options.
• Insurance Carrier Distribution & Technology: GoHealth provides insurance carriers with a broad distribution channel and a technology platform to reach and enroll consumers in their health plans.

GoHealth (GOCO) sells primarily to individuals seeking health insurance coverage. The company operates as a health insurance marketplace and technology platform, connecting consumers with various insurance plans.

The up to three primary categories of customers that GoHealth serves are:

• Seniors and Medicare Beneficiaries: This is GoHealth's largest and most significant customer segment. These individuals are typically aged 65 and older (or eligible due to disability) and are seeking to enroll in Medicare Advantage plans, Medicare Supplement (Medigap) plans, and Medicare Part D Prescription Drug Plans.
• Individuals Under 65: This category includes people seeking health insurance plans outside of Medicare, such as plans offered through the Affordable Care Act (ACA) marketplaces or other private health insurance options.

Vijay Kotte, Chief Executive Officer

Mr. Kotte joined GoHealth as Chief Executive Officer in 2022 and also serves on the Company's Board of Directors. He brings over two decades of experience in developing and transforming innovative healthcare models and Medicare-focused platforms across both public and private ventures. Prior to GoHealth, Mr. Kotte was the Chief Solutions Officer and Executive Vice President, Strategy and Corporate Development at R1. He also served as Chief Value Officer and previously Chief Financial Officer for DaVita Medical Group, where he was responsible for strategy, mergers and acquisitions, carrier/payor contracting, performance, operations, and oversight of joint ventures. Before DaVita, he was President and Chief Operating Officer of Medicare operations for Meridian Health Plan, and President of the Midwest region for WellCare Health Plans. DaVita Medical Group was divested to OptumCare after his tenure as CFO.

Brendan Shanahan, Chief Financial Officer

Mr. Shanahan was appointed Chief Financial Officer of GoHealth, effective October 14, 2024. He brings over 30 years of financial experience, with more than 20 years specializing in the Medicare Advantage sector. Before joining GoHealth, Mr. Shanahan served as Chief Financial Officer at Upstream Care Company. Prior to that, he spent six years at Cedar Gate Technologies, Inc., most recently as Executive Vice President and Chief Financial Officer. Mr. Shanahan is also a licensed agent and co-founder of Health Plan One.

Mike Hargis, Chief Operating Officer

Mr. Hargis serves as the Chief Operating Officer for GoHealth.

Brad Burd, Chief Legal Officer and Corporate Secretary

Mr. Burd holds the position of Chief Legal Officer and Corporate Secretary at GoHealth.

The addressable markets for GoHealth's main products and services in the United States are as follows:

• Medicare Advantage and Medicare Supplement Products: The total addressable market for Medicare Advantage and Medicare Supplement products in the U.S. was estimated to be nearly $30 billion in 2021. In 2024, Medicare Advantage enrollment reached a record 34.5 million beneficiaries, representing 51% of the country's Medicare population. The number of Medicare-eligible individuals is projected to grow from approximately 63 million in 2021 to around 82 million by 2030.
• Individual Health Insurance: The U.S. individual health insurance market is estimated at USD 35.50 billion in 2024 and is projected to reach approximately USD 67.57 billion by 2034, demonstrating a Compound Annual Growth Rate (CAGR) of 6.65% between 2024 and 2034.

GoHealth (NASDAQ: GOCO) is poised for future revenue growth over the next 2-3 years, driven by several strategic initiatives and favorable market dynamics. Key drivers identified from recent earnings releases, transcripts, and company statements include:

1. Growth in Captive Agent Productivity and Submissions: GoHealth is focusing on enhancing the effectiveness of its internal captive agents. This involves improved training, technology, and more targeted marketing efforts, leading to a significant year-over-year increase in submissions from this channel.

2. Diversification through New Product Launches, particularly GoHealth Protect: The company has strategically launched "GoHealth Protect," a new suite of products in the life insurance space, with guaranteed acceptance life insurance as its inaugural offering. This initiative aims to diversify GoHealth's product portfolio, minimize revenue seasonality, and contribute meaningfully to financial results.

3. Strategic Acquisitions to Expand Market Leadership and Operational Capacity: GoHealth's acquisition of e-TeleQuote Insurance, Inc. is a prime example of its strategy to reinforce market leadership and enhance operational capacity. This acquisition added substantial contract assets and cash, and improved submission volumes, indicating that similar strategic inorganic growth could be a future driver.

4. Leveraging Technology, AI, and Automation for Enhanced Efficiency and Customer Experience: GoHealth continues to invest in its proprietary technology platform, including artificial intelligence (AI) and automation, to reduce direct operating costs per submission (customer acquisition costs) and improve overall operational performance. Innovations in platforms like PlanFit and Encompass also enhance consumer and agent experiences, which can indirectly drive revenue through more effective enrollment and retention.

5. Capitalizing on Favorable Medicare Market Dynamics: The company anticipates that the favorable market dynamics currently driving demand in the Medicare sector will persist throughout the first three quarters of 2025, positioning GoHealth for sustained success in its core business.

Share Repurchases

• GoHealth repurchased approximately $5.028 million in shares for the three months ended June 30, 2025, and $1.335 million for the six months ended June 30, 2025, to satisfy employee tax withholding obligations.

Share Issuance

• On July 14, 2020, GoHealth announced the pricing of its Initial Public Offering (IPO) of 43,500,000 shares of Class A common stock at $21.00 per share, raising approximately $914 million.
• As part of strategic capital and governance actions in the second quarter of 2025, GoHealth issued an aggregate of 4,766,219 shares of Class A common stock to lenders.

Inbound Investments

• In August 2025, GoHealth secured a new senior secured superpriority term loan facility, including $80.0 million in new-money term loans and $35.0 million in roll-up loans.
• This new facility established a debt basket capacity of up to $250.0 million to pursue potential transformative transactions.
• Concurrently, the company amended its existing credit agreement to waive near-term principal payments through 2026 and reset financial covenants.

Outbound Investments

• GoHealth completed the strategic acquisition of e-TeleQuote Insurance, Inc. on September 30, 2024.
• The acquisition added over $100 million in contract assets and $18 million in cash to GoHealth's balance sheet.
• As part of the e-TeleQuote acquisition, GoHealth made an initial $5.0 million investment for newly issued shares, which contributed to a $77.4 million gain on bargain purchase recorded by the company.

Capital Expenditures

• GoHealth's capital expenditures were approximately $14.52 million in 2020, $19.80 million in 2021, $13.51 million in 2022, $13.73 million in 2023, and $13.73 million in 2024.
• For the trailing twelve months ending in the third quarter of 2025, capital expenditures were approximately $12.35 million.
• The focus of capital expenditures includes advancements in artificial intelligence (AI), automation, and marketing efficiencies to improve operational performance and enhance the consumer experience.