Document and Entity Information - shares	6 Months Ended
Document and Entity Information - shares	Jun. 30, 2019	Jul. 31, 2019
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Jun. 30, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus (Q1,Q2,Q3,FY)	Q2
Entity Registrant Name	eHealth, Inc.
Entity Central Index Key	0001333493
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Current Reporting Status	Yes
Entity Shell Company	false
Entity Common Stock, Shares Outstanding (in shares)		22,806,046

Condensed Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Current assets:
Cash and cash equivalents	$ 115,883	$ 13,089
Accounts receivable	1,059	3,601
Commissions receivable—current	117,573	134,190
Prepaid expenses and other current assets	12,180	5,288
Total current assets	246,695	156,168
Commissions receivable—non-current	223,842	211,668
Property and equipment, net	9,708	7,684
Operating lease right-of-use assets	37,744
Other assets	14,116	11,276
Intangible assets, net	11,156	12,249
Goodwill	40,233	40,233
Total assets	583,494	439,278
Current liabilities:
Accounts payable	5,523	5,688
Accrued compensation and benefits	15,265	20,763
Accrued marketing expenses	3,671	11,013
Earnout liability—current	33,700	20,730
Lease liabilities—current	3,896
Other current liabilities	2,400	2,425
Total current liabilities	64,455	60,619
Debt	0	5,000
Earnout liability—non-current	0	19,270
Deferred income taxes—non-current	38,366	47,901
Lease liabilities—non-current	35,386
Other non-current liabilities	2,022	3,339
Stockholders’ equity:
Common stock	34	31
Additional paid-in capital	449,046	298,024
Treasury stock, at cost	(199,998)	(199,998)
Retained earnings	194,052	204,965
Accumulated other comprehensive income	131	127
Total stockholders’ equity	443,265	303,149
Total liabilities and stockholders’ equity	$ 583,494	$ 439,278

Condensed Consolidated Statements of Comprehensive Loss (Unaudited) - USD ($) shares in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Revenue:
Total revenue	$ 65,767,000	$ 32,657,000	$ 134,540,000	$ 75,727,000
Operating costs and expenses:
Cost of revenue	449,000	151,000	372,000	303,000
Marketing and advertising	23,104,000	14,606,000	47,045,000	29,608,000
Customer care and enrollment	21,479,000	13,219,000	41,423,000	26,458,000
Technology and content	10,437,000	7,287,000	19,454,000	15,628,000
General and administrative	14,862,000	11,240,000	26,140,000	21,931,000
Acquisition costs	0	18,000	0	76,000
Change in fair value of earnout liability	7,200,000	2,500,000	20,506,000	2,500,000
Restructuring charges	0	9,000	0	1,865,000
Amortization of intangible assets	547,000	547,000	1,094,000	998,000
Total operating costs and expenses	78,078,000	49,577,000	156,034,000	99,367,000
Loss from operations	(12,311,000)	(16,920,000)	(21,494,000)	(23,640,000)
Other income, net	699,000	296,000	1,256,000	480,000
Loss before benefit from income taxes	(11,612,000)	(16,624,000)	(20,238,000)	(23,160,000)
Benefit from income taxes	(5,858,000)	(4,610,000)	(9,325,000)	(6,301,000)
Net loss	$ (5,754,000)	$ (12,014,000)	$ (10,913,000)	$ (16,859,000)
Net loss per share:
Basic and diluted (in usd per share)	$ (0.25)	$ (0.63)	$ (0.48)	$ (0.89)
Weighted-average number of shares used in per share amounts:
Basic and diluted (in shares)	23,091	19,063	22,508	18,968
Comprehensive loss
Foreign currency translation adjustment, net of taxes	$ (25,000)	$ (71,000)	$ 4,000	$ (6,000)
Comprehensive loss	(5,779,000)	(12,085,000)	(10,909,000)	(16,865,000)
Commission
Revenue:
Total revenue	60,606,000	30,646,000	124,833,000	71,353,000
Other
Revenue:
Total revenue	$ 5,161,000	$ 2,011,000	$ 9,707,000	$ 4,374,000

Condensed Consolidated Statements of Stockholders' Equity (Unaudited) - USD ($) shares in Thousands, $ in Thousands	Total	Common Stock	Additional Paid-in Capital	Treasury Stock	Retained Earnings	Accumulated Other Comprehensive Income
Beginning balance (in shares) at Dec. 31, 2017		29,880		11,238
Beginning Balance at Dec. 31, 2017	$ 286,664	$ 30	$ 281,706	$ (199,998)	$ 204,725	$ 201
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of common stock in connection with exercise of common stock options and release of vested restricted stock units, net of cash used to net settle equity awards (in shares)		310
Issuance of common stock in connection with exercise of common stock options and release of vested restricted stock units, net of cash used to net-share settle equity awards	668		668
Common stock traded for employee tax obligation	(1,742)		(1,742)
Common stock traded for employee tax obligation (in shares)				86
Stock-based compensation expense	5,932		5,932
Foreign currency translation adjustment, net of taxes	(6)					(6)
Net loss	(16,859)				(16,859)
Stock issued for acquisition (in shares)		295
Stock issued for acquisition	5,595		5,595
Ending balance (in shares) at Jun. 30, 2018		30,485		11,324
Ending Balance at Jun. 30, 2018	280,252	$ 30	292,159	$ (199,998)	187,866	195
Beginning balance (in shares) at Mar. 31, 2018		30,235		11,254
Beginning Balance at Mar. 31, 2018	290,103	$ 30	289,925	$ (199,998)	199,880	266
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of common stock in connection with exercise of common stock options and release of vested restricted stock units, net of cash used to net settle equity awards (in shares)		250
Issuance of common stock in connection with exercise of common stock options and release of vested restricted stock units, net of cash used to net-share settle equity awards	559	$ 0	559
Common stock traded for employee tax obligation	(1,456)		(1,456)
Common stock traded for employee tax obligation (in shares)				70
Stock-based compensation expense	3,131		3,131
Foreign currency translation adjustment, net of taxes	(71)					(71)
Net loss	(12,014)				(12,014)
Ending balance (in shares) at Jun. 30, 2018		30,485		11,324
Ending Balance at Jun. 30, 2018	280,252	$ 30	292,159	$ (199,998)	187,866	195
Beginning balance (in shares) at Dec. 31, 2018		30,863		11,426
Beginning Balance at Dec. 31, 2018	303,149	$ 31	298,024	$ (199,998)	204,965	127
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of common stock in connection with exercise of common stock options and release of vested restricted stock units, net of cash used to net settle equity awards (in shares)		349
Issuance of common stock in connection with exercise of common stock options and release of vested restricted stock units, net of cash used to net-share settle equity awards	3,255	$ 0	3,255
Common stock traded for employee tax obligation	(3,452)		(3,452)
Common stock traded for employee tax obligation (in shares)				56
Stock-based compensation expense	7,907		7,907
Foreign currency translation adjustment, net of taxes	4					4
Net loss	(10,913)				(10,913)
Stock issued in equity offering (in shares)		2,760
Stock issued in equity offering	126,051	$ 3	126,048
Stock issued for acquisition (in shares)		295
Stock issued for acquisition	17,264		17,264
Ending balance (in shares) at Jun. 30, 2019		34,267		11,482
Ending Balance at Jun. 30, 2019	443,265	$ 34	449,046	$ (199,998)	194,052	131
Beginning balance (in shares) at Mar. 31, 2019		34,090		11,450
Beginning Balance at Mar. 31, 2019	445,650	$ 34	445,652	$ (199,998)	199,806	156
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of common stock in connection with exercise of common stock options and release of vested restricted stock units, net of cash used to net settle equity awards (in shares)		177
Issuance of common stock in connection with exercise of common stock options and release of vested restricted stock units, net of cash used to net-share settle equity awards	888	$ 0	888
Common stock traded for employee tax obligation	(2,172)		(2,172)
Common stock traded for employee tax obligation (in shares)				32
Stock-based compensation expense	4,678		4,678
Foreign currency translation adjustment, net of taxes	(25)					(25)
Net loss	(5,754)
Ending balance (in shares) at Jun. 30, 2019		34,267		11,482
Ending Balance at Jun. 30, 2019	$ 443,265	$ 34	$ 449,046	$ (199,998)	$ 194,052	$ 131

Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)

6 Months Ended

Jun. 30, 2019

Jun. 30, 2018

Operating activities

Net loss

$ (10,913,000)

$ (16,859,000)

Adjustments to reconcile net loss to net cash provided by operating activities:

Deferred income taxes

(9,535,000)

(6,482,000)

Depreciation and amortization

1,388,000

1,250,000

Amortization of internally developed software

1,513,000

1,011,000

Amortization of intangible assets

1,094,000

998,000

Stock-based compensation expense

7,907,000

5,932,000

Change in fair value of earnout liability

20,506,000

2,500,000

Change in deferred rent

(1,272,000)

314,000

Other non-cash items

224,000

62,000

Changes in operating assets and liabilities:

Accounts receivable

2,543,000

629,000

Commissions receivable

4,443,000

27,495,000

Prepaid expenses and other assets

(2,696,000)

(1,120,000)

Accounts payable

147,000

(1,202,000)

Accrued compensation and benefits

(5,498,000)

(3,598,000)

Accrued marketing expenses

(7,342,000)

(1,951,000)

Deferred revenue

(118,000)

376,000

Accrued expense and other liabilities

(1,166,000)

1,081,000

Net cash provided by operating activities

1,225,000

10,436,000

Investing activities

Capitalized internal-use software and website development costs

(3,433,000)

(2,763,000)

Purchases of property and equipment and other assets

(3,786,000)

(1,122,000)

Payments for security deposits

(896,000)

Acquisition of business, net of cash acquired

(14,929,000)

Cash used in investing activities

(8,115,000)

(18,814,000)

Financing activities

Proceeds from issuance of common stock, net of issuance costs

126,051,000

Net proceeds from exercise of common stock options

3,255,000

668,000

Cash used to net-share settle equity awards

(3,452,000)

(1,742,000)

Repayment of debt

(5,000,000)

Acquisition-related contingent payments

(9,542,000)

Principal payments in connection with finance leases

(50,000)

(52,000)

Net cash provided by (used in) financing activities

111,262,000

(1,126,000)

Effect of exchange rate changes on cash, cash equivalents and restricted cash

29,000

(15,000)

Net increase (decrease) in cash, cash equivalents and restricted cash

104,401,000

(9,519,000)

Cash, cash equivalents and restricted cash at beginning of period

13,089,000

40,293,000

Cash, cash equivalents and restricted cash at end of period (1)

^[1]

117,490,000

30,774,000

Restricted cash

$ 1,608,000

$ 0

[1]

The ending balance of cash, cash equivalents and restricted cash as of June 30, 2019 included $1.6 million of restricted cash, which was classified as part of prepaid expenses and other current assets on the balance sheet as of June 30, 2019. There was no restricted cash as of December 31, 2018 or June 30, 2018.

Summary of Business and Significant Accounting Policies

6 Months Ended

Jun. 30, 2019

Accounting Policies [Abstract]

Summary of Business and Significant Accounting Policies

Description of Business—eHealth, Inc. (the “Company,” “eHealth,” “we” or “us”) is a leading private health insurance exchange for individuals, families and small businesses in the United States. Through our website addresses (www.eHealth.com, www.eHealthInsurance.com, www.eHealthMedicare.com, www.Medicare.com, www.PlanPrescriber.com and www.GoMedigap.com), consumers can get quotes from leading health insurance carriers, compare plans side-by-side, and apply for and purchase Medicare-related, individual and family, small business and ancillary health insurance plans. We actively market the availability of Medicare-related insurance plans and offer Medicare plan comparison tools and educational materials for Medicare-related insurance plans, including Medicare Advantage, Medicare Supplement and Medicare Part D prescription drug plans. Our ecommerce technology also enables us to deliver consumers’ health insurance applications electronically to health insurance carriers. We are licensed to market and sell health insurance in all 50 states and the District of Columbia.

Basis of Presentation—The accompanying condensed consolidated balance sheets as of June 30, 2019 and December 31, 2018, the condensed consolidated statements of comprehensive loss and stockholders' equity for the three and six months ended June 30, 2019 and 2018, and the condensed consolidated statements of cash flows for the six months ended June 30, 2019 and 2018, respectively, are unaudited. The condensed consolidated balance sheet data as of December 31, 2018 was derived from the audited consolidated financial statements included in our Annual Report on Form 10-K for the year ended December 31, 2018, which was filed with the Securities and Exchange Commission on March 14, 2019. The accompanying statements should be read in conjunction with the audited consolidated financial statements and related notes contained 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. 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. However, the Company believes the disclosures made are adequate to make the information not misleading. The unaudited condensed consolidated financial statements have been prepared on the same basis as the audited consolidated financial statements in our Annual Report on Form 10-K for the year ended December 31, 2018 and include all adjustments necessary for the fair presentation of our financial position as of June 30, 2019 and December 31, 2018, and our results of operations for the periods presented. The results for the three and six months ended June 30, 2019 are not necessarily indicative of the results to be expected for any subsequent period or for the year ending December 31, 2019 and therefore should not be relied upon as an indicator of future results.

Principles of Consolidation—The condensed consolidated financial statements include the accounts of eHealth, Inc. and its wholly-owned subsidiaries. All intercompany accounts and transactions have been eliminated in consolidation.

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 (loss). Our business structure is comprised of two operating segments:

•Medicare; and

•Individual, Family and Small Business.

The Medicare segment consists of commissions earned from our sale of Medicare-related health insurance plans, including Medicare Advantage, Medicare Supplement and Medicare Part D prescription drug plans, and to a lesser extent, ancillary products sold to our Medicare-eligible customers, including but not limited to, dental and vision insurance, as well as our advertising program that allows carriers to purchase Medicare-related advertising on a separate website developed, hosted and maintained by us, and our delivery and sale to third parties of Medicare-related health insurance leads generated by our ecommerce platforms and our marketing activities.

The Individual, Family and Small Business segment consists primarily of commissions earned from our sale of individual, family and small business health insurance plans and ancillary products sold to our non-Medicare customers, including but not limited to, dental, vision, and short-term insurance. To a lesser extent, the Individual, Family and Small Business segment consists of amounts earned from our online sponsorship program that allows carriers to purchase advertising space in specific markets in a sponsorship area on our website, our licensing to third parties the use of our health insurance ecommerce technology, and our delivery and sale to third parties of individual and family health insurance leads generated by our ecommerce platforms and our marketing activities.

Marketing and advertising, customer care and enrollment, technology and content, and general and administrative operating expenses that are directly attributable to a segment are reported within the applicable segment. Indirect marketing and advertising, customer care and enrollment, and technology and content operating expenses are allocated to each segment based on usage. Other indirect general and administrative operating expenses are managed in a corporate shared services environment and, since they are not the responsibility of segment operating management, are not allocated to the operating segments and instead reported within Corporate.

Segment profit (loss) is calculated as total revenue for the applicable segment less direct and allocated marketing and advertising, customer care and enrollment, technology and content, and general and administrative operating expenses, excluding stock-based compensation, change in fair value of earnout liability, restructuring charges, acquisition costs, depreciation and amortization expense, other income, net, and amortization of intangible assets.

Use of Estimates—The preparation of condensed consolidated financial statements and related disclosures in conformity with U.S. GAAP requires management to make estimates, judgments and assumptions that affect the amounts reported and disclosed in the condensed consolidated financial statements and accompanying notes. On an ongoing basis, we evaluate our estimates, including those related to, but not limited to, the commissions we expect to collect for each approved member cohort, the useful lives of intangible assets, fair value of investments, recoverability of intangible assets, valuation allowance for deferred income taxes, provision (benefit) for income taxes and the assumptions used in determining stock-based compensation. We base our estimates of the carrying value of certain assets and liabilities on historical experience and on various other assumptions that we believe to be reasonable. Actual results may differ from these estimates.

Seasonality—A greater number of our Medicare-related health insurance plans are sold in our fourth quarter during the Medicare annual enrollment period when Medicare-eligible individuals are permitted to change their Medicare Advantage, Medicare Supplement, and Medicare Part D prescription drug coverage for the following year. As a result, our Medicare plan-related commission revenue is highest in our fourth quarter. Due to the recent reintroduction of the Medicare open enrollment period into January to March of the following year, commission revenue is typically second-highest in our first quarter.

The majority of our major medical individual and family health insurance plans are sold in the fourth quarter during the annual open enrollment period as defined under the federal Patient Protection and Affordable Care Act and related amendments in the Health Care and Education Reconciliation Act. Individuals and families generally are not able to purchase major medical individual and family health insurance outside of these open enrollment periods, 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.

Cash Equivalents—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.

Revenue Recognition—We are compensated by the receipt of commission payments from health insurance carriers whose health insurance policies are purchased through our ecommerce platforms or our customer care centers. We may also receive commission bonuses based on our attaining predetermined target sales levels for Medicare, individual and family, small business and ancillary health insurance products, or other objectives, as determined by the health insurance carrier, which we recognize as commission revenue when we achieve the predetermined target sales levels or other objectives. In addition, we also generate revenue from non-commission revenue sources, which include online sponsorship and advertising, technology licensing and lead referrals. Payment of commissions typically commences within 60 days from the effective date. Payment terms for non-commission revenue are typically 30 days from the invoice date.

We account for revenue under Accounting Standards Codification ("ASC") 606—Revenue from Contracts with Customers. The core principle of ASC 606 is to recognize revenue upon the transfer of promised goods or services to customers in an amount that reflects the consideration the entity expects to be entitled to in exchange for those goods or services. Accordingly, we recognize revenue for our services in accordance with the following five steps outlined in ASC 606:

•

Identification of the contract, or contracts, with a customer. A contract with a customer exists when (i) we enter into an enforceable contract with a customer that defines each party’s rights regarding the goods or services to be transferred and identifies the payment terms related to these goods or services, (ii) the contract has commercial substance, and (iii) we determine that collection of substantially all consideration for goods or services that are transferred is probable based on the customer’s intent and ability to pay the promised consideration.

•

Identification of the performance obligations in the contract. Performance obligations promised in a contract are identified based on the goods or services that will be transferred to the customer that are both capable of being distinct, whereby the customer can benefit from the goods or service either on its own or together with other resources that are readily available from third parties or from us, and are distinct in the context of the contract, whereby the transfer of the goods or services is separately identifiable from other promises in the contract.


•	Determination of the transaction price. The transaction price is determined based on the consideration to which we will be entitled in exchange for transferring goods or services to the customer.

•

Allocation of the transaction price to the performance obligations in the contract. If the contract contains a single performance obligation, the entire transaction price is allocated to the single performance obligation. Contracts that contain multiple performance obligations require an allocation of the transaction price to each performance obligation based on a relative standalone selling price basis.


•	Recognition of revenue when, or as, we satisfy a performance obligation. We satisfy performance obligations either over time or at a point in time, as discussed in further detail below. Revenue is recognized at the time the related performance obligation is satisfied by transferring the promised good or service to the customer.

Commission Revenue—Our commission revenue is primarily comprised of commissions paid to us by health insurance carriers related to insurance plans that have been applied for by a member through our health insurance exchange service and the applications have been approved by the carrier. We define a member as an individual currently covered by an insurance plan, which include Medicare-related, individual and family, small business and ancillary plans. We are compensated by the health insurance carrier, which we define as our customer.

We typically enter into contractual agency relationships with health insurance carriers that are non-exclusive and terminable on short notice by either party for any reason. In addition, health insurance carriers often have the ability to terminate or amend our agreements unilaterally on short notice, including provisions in our agreements relating to the commission rates paid to us by the health insurance carriers. The amendment or termination of an agreement we have with a health insurance carrier may adversely impact the commissions we are paid on health insurance plans purchased from the carrier by means of our health insurance exchange services.

For both Medicare Advantage and Medicare Part D prescription drug plans, we receive a fixed, annual commission payment from insurance carriers once the plan is approved by the carrier and either a fixed, monthly, or annual commission payment beginning with and subsequent to the second plan year. In the first plan year of a Medicare Advantage and Medicare Part D prescription drug plan, after the health insurance carrier approves the application but during the effective year of the plan, we are paid a fixed commission that is prorated for the number of months remaining in the calendar year. Additionally, if the plan is the first Medicare Advantage or Medicare Part D prescription drug plan issued to the member, we may receive a higher commission rate that covers a full twelve-month period, regardless of the month the plan was effective. We earn commission revenue for Medicare Advantage and Medicare Part D prescription drug plans for which we are the broker of record, typically until either the policy is cancelled or we otherwise do not remain the agent on the policy.

For individual and family, Medicare Supplement, small business and ancillary plans, our commissions generally represent a flat amount per member per month or a percentage of the premium amount collected by the carrier during the period that a member maintains coverage under a plan. Premium-based commissions are reported to us after the premiums are collected by the carrier, generally on a monthly basis. We generally continue to receive the commission payment from the relevant insurance carrier until the health insurance plan is cancelled or we otherwise do not remain the agent on the policy.

We utilize a practical expedient to estimate commission revenue for each insurance product by applying the use of a portfolio approach to group approved members by the effective month of the relevant plan (referred to as a “cohort”). This allows us to estimate the commissions we expect to collect for each approved member cohort by evaluating various factors, including but not limited to, contracted commission rates, carrier mix and expected member churn.

For Medicare-related, individual and family and ancillary health insurance plans, our services are complete once a submitted application is approved by the relevant health insurance carrier. Accordingly, we recognize commission revenue based upon the total estimated lifetime commissions we expect to receive for selling the plan after the carrier approves an application, net of an estimated constraint. We refer to these estimated and constrained lifetime values as the "constrained LTV" for the plan. We provide annual services in selling and renewing small business health insurance plans; therefore, we recognize small business health insurance plan commission revenue at the time the plan is approved by the carrier, and when it renews each year thereafter, equal to the estimated commissions we expect to collect from the plan over the following twelve months. Our estimate of commission revenue for each product line is based on a number of assumptions, which include, but are not limited to, estimating conversion of an approved member to a paying member, forecasting member churn and forecasting the commission amounts likely to be received per member. These assumptions are based on historical trends and incorporate management’s judgment in interpreting those trends and in applying the constraints discussed below. To the extent we make changes to the assumptions, we will recognize any material impact of the changes to commission revenue in the reporting period in which the change is made, including revisions of estimated lifetime commissions either below or in excess of previously estimated constrained LTV recognized as revenue. Primarily due to lower than expected churn in IFP membership we recorded additional net revenue of $9.4 million and $16.8 million, respectively, or $0.41 per share and $0.75 per share, respectively, for the three and six months ended June 30, 2019, and $2.2 million and $5.7 million, or $0.11 per share and $0.30 per share, respectively, for the three and six months ended June 30, 2018, respectively.

Commission revenue by segment is presented in the table below (in thousands):



	Three Months Ended June 30, 2019						Three Months Ended June 30, 2018
	Commission Revenue from Members Approved During the Period		Net Commission Revenue Adjustments from Members Approved in Prior Periods⁽¹⁾		Total Commission Revenue		Commission Revenue from Members Approved During the Period		Net Commission Revenue Adjustments from Members Approved in Prior Periods⁽¹⁾			Total Commission Revenue
Medicare	$	47,428	$	346	$	47,774	$	24,545	$	(321	)	$	24,224
Individual, Family and Small Business	3,786		9,046		12,832		3,943		2,479			6,422
Total commission revenue	$	51,214	$	9,392	$	60,606	$	28,488	$	2,158		$	30,646

	Six Months Ended June 30, 2019						Six Months Ended June 30, 2018
	Commission Revenue from Members Approved During the Period		Net Commission Revenue Adjustments from Members Approved in Prior Periods⁽¹⁾		Total Commission Revenue		Commission Revenue from Members Approved During the Period		Net Commission Revenue Adjustments from Members Approved in Prior Periods⁽¹⁾			Total Commission Revenue
Medicare	$	98,010	$	1,413	$	99,423	$	53,604	$	(27	)	$	53,577
Individual, Family and Small Business	10,010		15,400		25,410		12,069		5,707			17,776
Total commission revenue	$	108,020	$	16,813	$	124,833	$	65,673	$	5,680		$	71,353

⁽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.

Commissions receivable activity during the six months ended June 30, 2019 was as follows (in thousands):



Commissions receivable, December 31, 2018	$	345,858
Commission revenue from members approved during the six months ended June 30, 2019	108,020
Net commission revenue adjustments from members approved in prior periods	16,813
Commission collections and cash receipts	(129,276		)
Commissions receivable, June 30, 2019	$	341,415

For Medicare-related, individual and family and ancillary health insurance plans, we apply constraints to determine the amount of commission revenue to recognize per approved member. The constraints are applied to help ensure that the total estimated lifetime commissions expected to be collected for an approved member’s plan are recognized as revenue only to the extent that it is probable that a significant reversal in the amount of cumulative revenue recognized will not occur when the uncertainty associated with future commissions receivable from the plan is subsequently resolved. We evaluate the appropriateness of these constraints on at least an annual basis, including assessing factors affecting our estimate of the estimated lifetime value of commissions per approved member based on current trends impacting our business and assessing whether any adjustment to those constraints should be made. We update the assumptions when we observe a sufficient level of evidence that would suggest that the long-term expectation of the assumption has changed.

For the three and six months ended June 30, 2019 and 2018, the constraints applied to the total estimated lifetime commissions we expect to receive for selling the plan after the carrier approves an application in order to derive the constrained lifetime value of commissions per approved member were as follows:



	Three and Six Months Ended June 30,
	2019		2018
Medicare
Medicare Advantage	7	%	7	%
Medicare Supplement	5	%	5	%
Medicare Part D	5	%	5	%

Individual and Family
Non-Qualified Health Plans	15	%	15	%
Qualified Health Plans	20	%	20	%

Ancillaries	10	%	10	%

Small Business	—	%	—	%

Other Revenue—Our sponsorship and advertising program allows carriers to purchase advertising space in specific markets in a sponsorship area on our website. In return, we are typically paid a monthly fee, which is recognized over the period that advertising is displayed, and often a performance fee based on metrics such as submitted health insurance applications, which is recognized based on attainment of metrics. We also offer Medicare advertising services, which include website development, hosting and maintenance. In these instances, we are typically paid a fixed, up-front fee, which we recognize as revenue ratably over the service period.

Our commercial technology licensing business allows carriers the use of our ecommerce platform to offer their own health insurance policies on their websites and to utilize our technology to power their online quoting, content and application submission processes. Typically, we are paid a one-time implementation fee, which we recognize ratably on a straight-line basis over the estimated term of the customer relationship (generally the initial term of the agreement), commencing once the technology is available for use by the third party, and a performance fee based on metrics such as submitted health insurance applications. The metrics used to calculate performance fees for both sponsorship and advertising and technology licensing are based on performance criteria that are either measured based on data tracked by us, or based on data tracked by the third party. In instances where the performance criteria data is tracked by us, we recognize revenue in the period of performance and when all other revenue recognition criteria have been met. In instances where the performance criteria data is tracked by the third party, we recognize revenue at amounts in which reversal of such amounts is not likely to occur. Typically, this occurs through our receipt of a cash payment from the third party along with a detailed statement containing the data that is tracked by the third party.

Deferred Revenue—Deferred revenue includes deferred technology licensing implementation fees and amounts billed for or collected from sponsorship or technology licensing customers in advance of our performing our service for such customers. It also includes the amount by which both unbilled and billed services provided under our technology licensing arrangements exceed the straight-line revenue recognized to date.

Disaggregation of Revenue—The table below depicts the disaggregation of revenue by product for the three and six months ended June 30, 2019 and 2018 and is consistent with how we evaluate our financial performance (in thousands):



	Three Months Ended June 30,							Six Months Ended June 30,
	2019		2018			Percent Change		2019		2018		Percent Change
Medicare
Medicare Advantage	$	36,607	$	17,738		106	%	$	76,450	$	39,673	93	%
Medicare Supplement	8,256		5,355			54	%	16,853		10,947		54	%
Medicare Part D	1,765		715			147	%	4,101		1,874		119	%
Total Medicare	46,628		23,808			96	%	97,404		52,494		86	%

Individual and Family ⁽¹⁾
Non-Qualified Health Plans	5,817		1,069			444	%	8,446		2,510		236	%
Qualified Health Plans	553		1,675			(67	)%	4,061		3,837		6	%
Total Individual and Family	6,370		2,744			132	%	12,507		6,347		97	%

Ancillaries
Short-term	2,695		1,293			108	%	4,011		2,543		58	%
Dental	928		147			531	%	1,718		1,366		26	%
Vision	295		391			(25	)%	757		731		4	%
Other	723		(118		)	(713	)%	1,674		2,653		(37	)%
Total Ancillaries	4,641		1,713			171	%	8,160		7,293		12	%

Small Business	1,998		1,772			13	%	4,638		4,131		12	%

Commission Bonus	969		609			59	%	2,124		1,088		95	%

Total Commission Revenue	60,606		30,646			98	%	124,833		71,353		75	%

Other Revenue	5,161		2,011			157	%	9,707		4,374		122	%

Total Revenue	$	65,767	$	32,657		101	%	$	134,540	$	75,727	78	%



(1)	We define our individual and family plan offerings as major medical individual and family health insurance plans, which does not include Medicare-related, small business or ancillary plans. Individual and family health insurance plans include both qualified and non-qualified plans. Qualified health plans are individual and family health insurance plans that meet the requirements of the Affordable Care Act and are offered through the government-run health insurance exchange in the relevant jurisdiction. Non-qualified health plans are individual and family health insurance plans that meet the requirements of the Affordable Care Act and are not offered through the exchange in the relevant jurisdiction. Individuals that purchase non-qualified health plans cannot receive a subsidy in connection with the purchase of non-qualified plans.

Incremental Costs to Obtain a Contract

We reviewed our sales compensation plans, which are directed at converting leads into approved members, and concluded that they are fulfillment costs and not costs to obtain a contract with a customer. Additionally, we reviewed compensation plans related to personnel responsible for identifying new health insurance carriers and entering into contracts with new health insurance carriers and concluded that no incremental costs are incurred to obtain such contracts.

Accounting Pronouncement Not Yet Adopted

Financial Instruments—Credit Losses (Topic 326)—In June 2016, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2016-13, Financial Instruments—Credit Losses (Topic 326), which amends the guidance for accounting for assets that are potentially subject to credit risk. The amendments affect contract assets, loans, debt securities, trade receivables, net investments in leases, off-balance-sheet credit exposures, reinsurance receivables, and any other financial assets not excluded from the scope that have the contractual right to receive cash. ASU 2016-13 is effective for us beginning January 1, 2020 using a modified retrospective transition method. We are still in the process of assessing the impact, if any, this ASU will have on our condensed consolidated financial statements.

Recently Adopted Accounting Pronouncement

Leases (Topic 842)—In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842). ASU 2016-02 requires lessees to recognize a right-of-use asset and lease liability for all leases with terms of more than 12 months. Recognition, measurement, and presentation of expenses will depend on classification as a finance or operating lease. For lessors, the guidance modifies the classification criteria and the accounting for sales-type and direct finance leases. The guidance also eliminates existing real estate-specific provisions for all entities. The new standard was effective for annual reporting periods beginning after December 15, 2018, including interim periods within that reporting period. We adopted the standard using the optional transition method on January 1, 2019. As a result of adopting the ASU, on January 1, 2019, we recorded a right-of-use asset and lease liability of $23.3 million and $24.6 million, respectively, which are discussed in Note 11—Leases in the Notes to Condensed Consolidated Financial Statements of this Quarterly Report on Form 10-Q.

Acquisition

6 Months Ended

Jun. 30, 2019

Business Combinations [Abstract]

Acquisition

On January 22, 2018, we completed our acquisition of all outstanding membership interests of Wealth, Health and Life Advisors, LLC, more commonly known as GoMedigap, a technology-enabled provider of Medicare Supplement enrollment services. We expect this acquisition to enhance our growing presence in the Medicare Supplement market and put us in a stronger position with carriers and strategic partners. The acquisition consideration consisted of cash of $15.0 million, less $0.1 million cash acquired, and 294,637 shares of our common stock. In addition, the members are entitled to receive earnout consideration consisting of up to $20 million in cash and 589,216 shares of our common stock. The earnout consideration becomes payable, subject to the terms and conditions of the purchase agreement relating to the acquisition, upon the final determination of the achievement of certain milestones in 2018 and 2019. The first earnout liability settlement was made during the three months ended March 31, 2019, which consisted of a $9.5 million cash payment as well as a $17.3 million non-cash issuance of common stock.

The GoMedigap acquisition was accounted for using the acquisition method of accounting under ASC 805—Business Combinations. The acquisition method of accounting requires, among other things, that assets acquired and liabilities assumed be recognized at their fair values as of the acquisition date. The major classes of assets and liabilities to which we have allocated the acquisition consideration were as follows (in thousands):



Acquisition Consideration
Cash paid	$	15,000
Fair value of equity awards issued to GoMedigap members ⁽¹⁾	5,595
Estimated fair value of earnout liability ⁽²⁾	27,700
	$	48,295
Allocation
Cash and cash equivalents	$	71
Commission receivable—current	4,371
Prepaid expenses and other current assets	11
Commission receivable—non-current	11,103
Property and equipment, net	174
Accounts payable	(110		)
Accrued compensation and benefits	(132		)
Other current liabilities	(130		)
Net tangible assets acquired	15,358
Intangible assets	6,800
Goodwill	26,137
Total intangible assets acquired	32,937
Total net assets acquired	$	48,295

(1) The fair value of equity awards issued was determined based on the January 22, 2018 closing price of our common stock of $18.99 per share.

(2) The fair value of the earnout liability was determined based on the valuation of a third-party specialist, which utilized certain inputs, including the closing price of our common stock on January 22, 2018 of $18.99 per share.

Goodwill and Intangible Assets—Goodwill represents the excess of the purchase price of the acquired business over the acquisition date fair value of the net assets acquired. Goodwill is primarily attributable to the assembled workforce, new product development capabilities and anticipated synergies and economies of scale expected from the operations of the combined company. The goodwill was assigned to our Medicare segment. Goodwill is tested for impairment on an annual basis in the fourth quarter of each year or whenever events or changes in circumstances indicate that the asset may be impaired. Factors that we consider in deciding when to perform an impairment test include significant negative industry or economic trends or significant changes or planned changes in our use of the intangible assets. Goodwill will be deductible for tax purposes over 15 years.

Earnout liability—The earnout liability represents the fair value of the earnout consideration payable and will be adjusted to fair value at each reporting date until settled. Changes in fair value will be recognized in operations while changes in the earnout liability due to the passage of time will be recognized as other expense. The earnout liability will be adjusted to the extent the specified enrollment targets are not achieved. The first earnout liability settlement was made during the three months ended March 31, 2019, which consisted of a $9.5 million cash payment as well as a $17.3 million non-cash issuance of common stock. The second payment is expected to be made in the first quarter of 2020. See Note 4—Fair Value Measurement for additional information regarding change in fair value of the earnout liability for the three and six months ended June 30, 2019.

Fair Value Measurements—The assets acquired and liabilities assumed of GoMedigap have been recognized at fair value in accordance with ASC 820—Fair Value Measurement. ASC 820 defines fair value as the price that would be received to sell an asset or would be paid to transfer a liability in an orderly transaction between market participants at the measurement date. ASC 820 requires three levels of hierarchy, which prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy level assigned to each asset and liability is based on the assessment of the transparency and reliability of inputs used in the valuation of such items based on the lowest level of input that is significant to fair value measurement. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and lowest priority to unobservable inputs (Level 3 measurements).

Assets acquired and liabilities assumed measured and reported at fair value are classified in one of the following categories based on inputs:



Level 1	Unadjusted quoted prices in active markets for identical assets or liabilities.
Level 2	Unadjusted quoted prices in active markets for similar assets or liabilities; or unadjusted quoted prices for identical or similar assets or liabilities in markets that are not active; or inputs other than quoted prices that are observable for the asset or liability.
Level 3	Unobservable inputs for the asset or liability.

The fair values of cash and cash equivalents, prepaid expenses and other current assets, property and equipment, net, accounts payable, accrued compensation and benefits, and other current liabilities were determined using Level 1 inputs, which approximated their carrying value at the date of acquisition. The fair value of commissions receivable was determined using a discount rate of interest, which is a Level 2 input. Intangible assets and the earnout liability were valued using Level 3 inputs.

The fair values of the acquired intangible assets were determined using the profit allocation method, which is based on determining the estimated royalties we are relieved from paying because we own the assets.

The fair value of the earnout liability was measured using probability-weighted analysis and is discounted using a rate that appropriately captures the risks associated with the obligation. Key assumptions included new enrollments and volatility for the year ended December 31, 2018 and the year ending December 31, 2019 and eHealth’s simulated stock price at the time of payment. The earnout consideration payable was part of the acquisition consideration and will be adjusted to fair value at each reporting date until settled. The fair value adjustments to the earnout liability during the three and six months ended June 30, 2019 totaled $7.2 million and $20.5 million, respectively, and were primarily due to the increase in the value of the shares to be issued upon settlement of the earnout liability. We will update the key assumptions each reporting period and record any fair value adjustments, as necessary.

Following are the details of the acquisition consideration allocated to the intangible assets acquired (in thousands):



Technology	$	2,000
Trade names, trademarks and website addresses	4,800
Total intangible assets	$	6,800

We are amortizing the existing technology and trade name using a straight-line method over an estimated life of 3 and 10 years, respectively. The estimated useful lives are based on the time periods during which the intangibles are expected to result in incremental cash flows.

Balance Sheet Accounts

6 Months Ended

Jun. 30, 2019

Balance Sheet Related Disclosures [Abstract]

Balance Sheet Accounts

Cash and Cash Equivalents—As of June 30, 2019 and December 31, 2018, our cash equivalents consisted of money market accounts that invested in U.S. government-sponsored enterprise bonds and discount notes, U.S. government treasury bills and notes and repurchase agreements collateralized by U.S. government obligations. As of June 30, 2019 and December 31, 2018, our cash equivalents carried no unrealized gains or losses.

As of June 30, 2019 and December 31, 2018, our cash and cash equivalent balances were invested as follows (in thousands):



	June 30, 2019		December 31, 2018
Cash	$	12,280	$	12,766
Money market funds	103,603		323
Total cash and cash equivalents	$	115,883	$	13,089

In addition to our $115.9 million total cash and cash equivalents balance as of June 30, 2019, we also had $1.6 million of restricted cash, which is classified as part of prepaid expenses and other current assets. This amount collateralizes letters of credit related to certain lease commitments.

Total Accounts Receivable—We do not require collateral or other security for our total accounts receivable. We believe the potential for collection issues with any of our customers was minimal as of June 30, 2019. Accordingly, our estimate for uncollectible amounts at June 30, 2019 was immaterial. Total accounts receivable as of June 30, 2019 and December 31, 2018 was comprised of the following (in thousands):



	June 30, 2019		December 31, 2018
Accounts receivable	$	1,059	$	3,601
Commissions receivable—current	117,573		134,190
Commissions receivable—non-current	223,842		211,668
Total accounts receivable	$	342,474	$	349,459

Concentration of Credit Risk—Our financial instruments that are exposed to concentrations of credit risk principally consist of cash, cash equivalents and total accounts receivable (which includes commissions receivable). We invest our cash and cash equivalents with major banks and financial institutions and, at times, such investments are in excess of federally insured limits. We also have deposits with major banks in China that are denominated in both U.S. dollars and Chinese Yuan Renminbi and are not insured by the U.S. federal government.

We do not require collateral or other security for our total accounts receivable. Carriers that represented 10% or more of our total accounts receivable balance of $342.5 million and $349.5 million as of June 30, 2019 and December 31, 2018, respectively, were as follows:



	June 30, 2019		December 31, 2018
Aetna⁽¹⁾	21	%	19	%
UnitedHealthcare ⁽²⁾	20	%	19	%
Humana	18	%	19	%


(1)	Aetna also includes other carriers owned by Aetna.


(2)	UnitedHealthcare also includes other carriers owned by UnitedHealthcare.

Prepaid Expenses and Other Current Assets—Prepaid expenses and other current assets as of June 30, 2019 and December 31, 2018 was comprised of the following (in thousands):



	June 30, 2019		December 31, 2018
Prepaid maintenance contracts	$	3,025	$	1,937
Equity issuance costs	—		294
Prepaid insurance	791		161
Prepaid facilities	87		324
Income tax receivable	1,108		1,108
Prepaid advertising	3,898		62
Restricted cash	1,608		—
Other current assets	1,663		1,402
Total prepaid expenses and other current assets	$	12,180	$	5,288

Intangible Assets—The carrying amounts, accumulated amortization, net carrying value and weighted average remaining life of our definite-lived amortizable intangible assets, as well as our indefinite-lived intangible trademarks, are presented in the table below as of June 30, 2019 and December 31, 2018 (dollars in thousands, weighted-average remaining life in years):



	June 30, 2019								December 31, 2018
	Gross Carrying Amount		Accumulated Amortization			Net Carrying Amount		Weighted-Average Remaining Life	Gross Carrying Amount		Accumulated Amortization			Net Carrying Amount
Technology	$	2,000	$	(944	)	$	1,056	1.6	$	2,000	$	(611	)	$	1,389
Pharmacy and customer relationships	9,500		(8,708		)	792		0.8	9,500		(8,234		)	1,266
Trade names, trademarks and website addresses	5,700		(1,506		)	4,194		8.4	5,700		(1,220		)	4,480
Total intangible assets subject to amortization	$	17,200	$	(11,158	)	6,042			$	17,200	$	(10,065	)	7,135
Indefinite-lived trademarks and domain names						5,114		Indefinite						5,114
Total intangible assets						$	11,156							$	12,249

As of June 30, 2019, expected amortization expense in future periods is as follows (in thousands):



Years Ending December 31,	Technology		Pharmacy and Customer Relationships		Trade Names, Trademarks and Website Addresses		Total
Remainder of 2019	$	333	$	475	$	284	$	1,092
2020	667		317		510		1,494
2021	56		—		480		536
2022	—		—		480		480
2023	—		—		480		480
Thereafter	—		—		1,960		1,960
Total	$	1,056	$	792	$	4,194	$	6,042

Fair Value Measurements

6 Months Ended

Jun. 30, 2019

Fair Value Disclosures [Abstract]

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.

The following table is a summary of financial assets measured at fair value as of June 30, 2019 and December 31, 2018 on a recurring basis and their classification within the fair value hierarchy (in thousands):



	June 30, 2019								December 31, 2018
	Carrying Value		Level 1		Level 3		Total		Carrying Value		Level 1		Level 3		Total
Assets
Money market funds	$	103,603	$	103,603	$	—	$	103,603	$	323	$	323	$	—	$	323
Total assets measured and recorded at fair value	$	103,603	$	103,603	$	—	$	103,603	$	323	$	323	$	—	$	323

Liabilities
Earnout liability—current	$	33,700	$	—	$	33,700	$	33,700	$	20,730	$	—	$	20,730	$	20,730
Earnout liability—non-current	—		—		—		—		19,270		—		19,270		19,270
Total liabilities measured and recorded at fair value	$	33,700	$	—	$	33,700	$	33,700	$	40,000	$	—	$	40,000	$	40,000

Our cash equivalents were invested in money market funds and were classified as Level 1. We endeavor to utilize the best available information in measuring fair value. We used observable prices in active markets in determining the classification of our money market funds as Level 1.

The earnout liability represents the fair value of the earnout consideration payable to acquire GoMedigap and will be adjusted to fair value at each reporting date until settled. Changes in fair value will be recognized in operations while changes in the earnout liability due to the passage of time will be recognized as other expense.

We measure the earnout liability using internally developed assumptions, therefore it is classified as Level 3. The fair value of the earnout liability was measured using probability-weighted analysis and is discounted using a rate that appropriately captures the risks associated with the obligation. Key assumptions included new enrollments and volatility for the year ended December 31, 2018 and the year ending December 31, 2019 and our simulated stock price at the time of payment.

Earnout liability activity during the three and six months ended June 30, 2019 was as follows (in thousands):



Balance at December 31, 2018	$	40,000
Settlement of first earnout liability	(26,800		)
Change in fair value	13,300
Balance at March 31, 2019	$	26,500
Change in fair value	7,200
Balance at June 30, 2019	$	33,700

The first earnout liability settlement was made during the three months ended March 31, 2019, which consisted of a $9.5 million cash payment as well as a $17.3 million non-cash issuance of common stock.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References + Details

Stockholder's Equity

6 Months Ended

Jun. 30, 2019

Stockholders' Equity Note [Abstract]

Stockholder's Equity

2014 Equity Incentive Plan—The following table summarizes activity under our 2014 Equity Incentive Plan (the “2014 Plan”) for the six months ended June 30, 2019 (in thousands):



	Shares Available for Grant
Shares available for grant December 31, 2018	512
Additional shares authorized pursuant to the 2014 Equity Incentive Plan	2,500
Restricted stock units granted ⁽¹⁾	(475	)
Options granted ⁽²⁾	(14	)
Restricted stock units cancelled ⁽³⁾	72
Options cancelled	26
Shares available for grant June 30, 2019	2,621


(1)	Includes grants of restricted stock units with service, performance-based or market-based vesting criteria.


(2)	Includes grants of stock options with service, performance-based or market-based vesting criteria.


(3)	Includes cancelled restricted stock units with service, performance-based or market-based vesting criteria.

The following table summarizes stock option activity for the six months ended June 30, 2019 (in thousands, except weighted-average exercise price and weighted-average remaining contractual life data):



	Number of Stock Options ⁽¹⁾		Weighted Average Exercise Price		Weighted-Average Remaining Contractual Life (years)	Aggregate Intrinsic Value ⁽²⁾
Balance outstanding at December 31, 2018	1,005		$	18.34	5.0	$	20,226
Granted	14		$	65.43
Exercised	(160	)	$	20.06
Cancelled	(31	)	$	23.22
Balance outstanding at June 30, 2019	828		$	18.62	4.9	$	55,860
Vested and expected to vest at June 30, 2019	794		$	18.32	4.8	$	53,878
Exercisable at June 30, 2019	436		$	14.74	4.3	$	31,126


(1)	Includes certain stock options with service, performance-based or market-based vesting criteria.


(2)	The aggregate intrinsic value is calculated as the difference between the closing price of our common stock as of June 30, 2019 and December 31, 2018 and the exercise price multiplied by number of in-the-money options.

The following table summarizes restricted stock unit activity for the six months ended June 30, 2019 (in thousands, except weighted-average grant date fair value and weighted-average remaining contractual life data):



	Number of Restricted Stock Units ⁽¹⁾		Weighted-Average Grant Date Fair Value		Weighted-Average Remaining Service Period (years)	Aggregate Intrinsic Value ⁽²⁾
Unvested as of December 31, 2018	1,869		$	16.95	4.8	$	71,816
Granted	475		$	63.02
Vested	(189	)	$	14.31
Cancelled	(72	)	$	20.50
Unvested as of June 30, 2019	2,083		$	27.54	5.5	$	179,362


(1)	Includes certain restricted stock units with service, performance-based or market-based vesting criteria.


(2)	The aggregate intrinsic value is calculated as the product of our closing stock price as of June 30, 2019 and December 31, 2018, and the number of restricted stock units outstanding as of June 30, 2019 and December 31, 2018, respectively.

Stock Repurchase Programs—We had no stock repurchase activity during the three and six months ended June 30, 2019. In addition to 10,663,888 shares repurchased under our past repurchase programs as of June 30, 2019, we have in treasury 817,962 shares that were previously surrendered by employees to satisfy tax withholdings due in connection with the vesting of certain restricted stock units. As of June 30, 2019 and December 31, 2018, we had a total of 11,481,850 shares and 11,426,292 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—The following table summarizes stock-based compensation expense recorded during the three and six months ended June 30, 2019 and 2018 (in thousands):



	Three Months Ended June 30,				Six Months Ended June 30,
	2019		2018		2019		2018
Common stock options	$	530	$	436	$	1,132	$	934
Restricted stock units	4,148		2,695		6,775		4,998
Total stock-based compensation expense	$	4,678	$	3,131	$	7,907	$	5,932

The following table summarizes stock-based compensation expense by operating function for the three and six months ended June 30, 2019 and 2018 (in thousands):



	Three Months Ended June 30,				Six Months Ended June 30,
	2019		2018		2019		2018
Marketing and advertising	$	711	$	553	$	1,340	$	923
Customer care and enrollment	285		206		558		371
Technology and content	668		383		1,217		726
General and administrative	3,014		1,989		4,792		3,661
Restructuring charges	—		—		—		251
Total stock-based compensation expense	$	4,678	$	3,131	$	7,907	$	5,932

Income Taxes

6 Months Ended

Jun. 30, 2019

Income Tax Disclosure [Abstract]

Income Taxes

The following table summarizes our benefit from income taxes and our effective tax rates for the three and six months ended June 30, 2019 and 2018 (in thousands, except effective tax rate):



	Three Months Ended June 30,						Six Months Ended June 30,
	2019			2018			2019			2018
Loss before benefit from income taxes	$	(11,612	)	$	(16,624	)	$	(20,238	)	$	(23,160	)
Benefit from income taxes	(5,858		)	(4,610		)	(9,325		)	(6,301		)
Effective tax rate	50.4		%	27.7		%	46.1		%	27.2		%

For the three months ended June 30, 2019, we recognized a benefit for income taxes of $5.9 million representing an effective tax rate of 50.4%, which was higher than the statutory federal tax rate due primarily to stock-based compensation adjustments, and lobbying and other non-deductible expenses, partially offset by research and development credits. For the three months ended June 30, 2018, we recognized a benefit from income taxes of $4.6 million, representing an effective tax rate of 27.7%, which was higher than the statutory federal tax rate due primarily to stock-based compensation adjustments, non-deductible lobbying expenses, and foreign income inclusions, partially offset by research and development credits.

For the six months ended June 30, 2019, we recognized a benefit for income taxes of $9.3 million, representing an effective tax rate of 46.1%, which was higher than the statutory federal tax rate due primarily to stock-based compensation adjustments, and lobbying and other non-deductible expenses, partially offset by research and development credits. For the six months ended June 30, 2018, we recognized a benefit from income taxes of $6.3 million, representing an effective tax rate of 27.2%, which was higher than the statutory federal tax rate due primarily to stock-based compensation adjustments, non-deductible lobbying expenses, and foreign income inclusions, partially offset by research and development credits.

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, 2019, as we believe it is more likely than not that the net deferred tax assets will be realized, with the exception of certain state net operating losses that are expected to expire unutilized which have a valuation allowance.

As a result of our adoption of ASC 606 using the full retrospective method, we recognized a significant deferred tax liability due to the resulting acceleration of revenue recognition while revenue for tax purposes will continue to be recognized as we collect cash. This deferred tax liability is a source of income that can be used to support the realizability of our deferred tax assets. As a result of the significantly increased deferred tax liability, in 2018, we reversed the valuation allowance recorded against our U.S. deferred tax assets as of January 1, 2015, the earliest period to which the retrospective adoption of ASC 606 was applied.

Commitments and Contingencies

6 Months Ended

Jun. 30, 2019

Commitments and Contingencies Disclosure [Abstract]

Commitments and Contingencies

Operating Leases

Refer to Note 11—Leases for commitments related to our operating leases.

Contingencies

From time to time, we receive inquiries from governmental bodies and also may be subject to various legal proceedings and claims arising in the ordinary course of business. We assess contingencies to determine the degree of probability and range of possible loss for potential accrual in our consolidated financial statements. An estimated loss contingency is accrued in the consolidated financial statements if it is probable that a liability has been incurred and the amount of the loss can be reasonably estimated. Legal proceedings or other contingencies could result in material costs, even if we ultimately prevail.

Legal Proceedings

On April 6, 2018, a former Company employee, Lupita Gonzalez, filed a complaint against the Company in the Superior Court of the State of California for the County of Sacramento (the “Gonzalez Complaint”). The Gonzalez Complaint is brought under the California Private Attorney General Act (“PAGA”) on behalf of all current and former hourly-paid or non-exempt employees who work or have worked for us in California. The claim alleges that the Company violated wage and hour laws with respect to these non-exempt employees, including, among other things, the failure to comply with California law as to (i) the payment of overtime wages; (ii) the payment of minimum wages; (iii) providing meal and rest periods, (iv) the payment of wages earned during employment and owed upon the termination of employment; (v) providing complete and accurate wage statements, (vi) keeping of accurate payroll records; and (vii) the proper reimbursement for necessary business-related expenses and costs. The Gonzalez Complaint seeks civil penalties and costs, expenses and attorneys’ fees. Discovery is ongoing, and a trial date has been set for April 13, 2020. Given the early stage of the litigation, we cannot estimate the likelihood of liability or the amount of potential damages.

On July 1, 2019, two other former Company employees, Michael Le’Vias and Ramona Meadows, filed a similar complaint against the Company and eHealth Ins. Serv. Co., in the Superior Court of the State of California for the County of Santa Clara (the “Le’Vias Complaint”). There is substantial overlap between the facts and circumstances alleged in the Gonzalez Complaint and the Le’Vias Complaint. Specifically, the Le’Vias Complaint is also brought under PAGA on behalf of all current and former hourly-paid or non-exempt employees who work or have worked for us in California. The claim alleges that the Company violated wage and hour laws with respect to these non-exempt employees, including, among other things, the failure to comply with California law as to (i) the payment of overtime wages; (ii) the payment of minimum wages; (iii) providing meal and rest periods, (iv) the payment of wages earned during employment and owed upon the termination of employment; (v) providing complete and accurate wage statements, (vi) keeping of accurate payroll records; and (vii) the proper reimbursement for necessary business-related expenses and costs. The Le’Vias Complaint seeks unpaid wages, civil penalties and costs, expenses and attorneys’ fees. Plaintiffs in the Le’Vias Complaint have agreed to stay the Le’Vias case until October 16, 2019. No trial date has been set for the Le’Vias Complaint and discovery has not yet commenced. Given the early stage of the litigation, we cannot estimate the likelihood of liability or the amount of potential damages.

On April 17, 2019, an individual filed a putative class action complaint against us that alleges we violated the Telephone Consumer Protection Act (“TCPA”), 47 U.S.C. §§ 227(b)(1) and (c)(5) and certain provisions of 47 C.F.R. § 64.1200 promulgated thereunder. The complaint alleges, among other things, that we (i) made unsolicited telephone calls to the Plaintiff and putative class members using a prerecorded voice message in violation of 47 U.S.C. § 227(b)(1); and (ii) made more than one unsolicited telephone call to Plaintiff and putative class members within a 12-month period without express consent and without instituting procedures that comply with regulatory minimum standards for implementing Do Not Call in violation of 47 C.F.R. § 64.1200 and 47 U.S.C. § 227(c)(5). The complaint seeks an order certifying two classes: (i) a class of individuals in the United States who we (or agents acting on our behalf) called using a prerecorded voice message for substantially the same reason we allegedly called the Plaintiff; and (ii) a class of individuals in the United States who we (or agents acting on our behalf) called more than one time within any 12-month period for substantially the same reason we allegedly called the Plaintiff. The complaint also seeks (i) an award of actual and/or statutory damages for the benefit of Plaintiff and the classes; (ii) an order declaring that our actions violate the TCPA; (iii) an injunction requiring us to cease all unsolicited calling activity and to otherwise protect the interest of the classes; and (iv) such further other relief as the court deems just and proper. In May 2019, the plaintiff voluntarily dismissed the complaint without prejudice.

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.

The following table presents a summary of our future minimum payments under non-cancellable contractual service and licensing obligations as of June 30, 2019 (in thousands):



For the Years Ending December 31,	Service and Licensing Obligations
Remainder of 2019	$	1,851
2020	2,441
2021	925
2022	415
2023	444
Thereafter	228
Total	$	6,304

Operating Segments, Geographic Information and Significant Customers

6 Months Ended

Jun. 30, 2019

Segment Reporting [Abstract]

Operating Segments, Geographic Information and Significant Customers

Operating Segments

We report segment information based on how our chief executive officer, who is our 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 (loss). Our business structure is comprised of two operating segments:

•Medicare; and

•Individual, Family and Small Business.

The Medicare segment consists primarily of commissions earned from our sale of Medicare-related health insurance plans, including Medicare Advantage, Medicare Supplement and Medicare Part D prescription drug plans, and to a lesser extent, ancillary products sold to our Medicare-eligible customers, including but not limited to, dental and vision insurance, as well as our advertising program that allows Medicare-related carriers to purchase advertising on a separate website developed, hosted and maintained by us, and our delivery and sale to third parties of Medicare-related health insurance leads generated by our ecommerce platforms and our marketing activities.

The Individual, Family and Small Business segment consists primarily of commissions earned from our sale of individual, family and small business health insurance plans and ancillary products sold to our non-Medicare-eligible customers, including but not limited to, dental, vision, and short-term health insurance. To a lesser extent, the Individual, Family and Small Business segment consists of amounts earned from our online sponsorship program that allows carriers to purchase advertising space in specific markets in a sponsorship area on our website, our licensing to third parties the use of our health insurance ecommerce technology, and our delivery and sale to third parties of individual and family health insurance leads generated by our ecommerce platforms and our marketing activities.

Marketing and advertising, customer care and enrollment, technology and content, and general and administrative operating expenses that are directly attributable to a segment are reported within the applicable segment. Indirect marketing and advertising, customer care and enrollment, and technology and content operating expenses are allocated to each segment based on usage. Other indirect general and administrative operating expenses are managed in a corporate shared services environment and, since they are not the responsibility of segment operating management, are not allocated to the two operating segments and are presented as a reconciling item to our consolidated financial results.

Segment profit (loss) is calculated as total revenue for the applicable segment less direct and allocated marketing and advertising, customer care and enrollment, technology and content, and general and administrative operating expenses, excluding stock-based compensation, depreciation and amortization expense and amortization of intangible assets.

The following table presents summary results of our operating segments for the three and six months ended June 30, 2019 and 2018 (in thousands):



	Three Months Ended June 30,						Six Months Ended June 30,
	2019			2018			2019			2018
Revenue
Medicare revenue	$	52,267		$	25,468		$	107,168		$	56,231
Individual, Family and Small Business revenue	13,500			7,189			27,372			19,496
Total revenue	$	65,767		$	32,657		$	134,540		$	75,727

Segment profit (loss)
Medicare segment profit (loss)	$	6,095		$	(1,473	)	$	16,921		$	1,707
Individual, Family and Small Business segment profit (loss)	5,268			(617		)	11,292			2,871
Total segment profit (loss)	11,363			(2,090		)	28,213			4,578
Corporate	(10,516		)	(7,994		)	(18,812		)	(15,848		)
Stock-based compensation expense	(4,678		)	(3,131		)	(7,907		)	(5,681		)
Depreciation and amortization	(733		)	(631		)	(1,388		)	(1,250		)
Acquisition costs	—			(18		)	—			(76		)
Change in fair value of earnout liability	(7,200		)	(2,500		)	(20,506		)	(2,500		)
Restructuring charges	—			(9		)	—			(1,865		)
Amortization of intangible assets	(547		)	(547		)	(1,094		)	(998		)
Other income, net	699			296			1,256			480
Loss before benefit from income taxes	$	(11,612	)	$	(16,624	)	$	(20,238	)	$	(23,160	)

There are no internal revenue transactions between our operating segments. Our CODM does not separately evaluate assets by segment, and therefore assets by segment are not presented.

Geographic Information

Our long-lived assets consisted 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 as of June 30, 2019 and December 31, 2018 were as follows (in thousands):



	June 30, 2019		December 31, 2018
United States	$	19,614	$	15,614
China	322		378
Total	$	19,936	$	15,992

Significant Customers

Substantially all revenue for the three and six months ended June 30, 2019 and 2018 was generated from customers located in the United States. Carriers representing 10% or more of our total revenue for the three and six months ended June 30, 2019 and 2018 are presented in the table below:



	Three Months Ended June 30,				Six Months Ended June 30,
	2019		2018		2019		2018
Humana	22	%	15	%	22	%	15	%
UnitedHealthcare ⁽¹⁾	19	%	24	%	18	%	22	%
Aetna⁽²⁾	16	%	11	%	17	%	10	%


(1)	UnitedHealthcare also includes other carriers owned by UnitedHealthcare.


(2)	Aetna also includes other carriers owned by Aetna.

As of June 30, 2019, our total outstanding accounts receivable balance was $342.5 million. Our contracts with the above carriers expose us to credit risk that a financial loss could be incurred if the counterparty does not fulfill its financial obligation. While we are exposed to credit losses due to the non-performance of our counterparties, we consider the risk of this remote. We estimate our maximum credit risk in determining the commissions receivable amount recorded on the balance sheet.

Restructuring Charges	6 Months Ended
Restructuring Charges	Jun. 30, 2019
Restructuring and Related Activities [Abstract]
Restructuring Charges	Restructuring Charges In February 2018, our Board of Directors approved a plan to close our sales call center in Massachusetts and to terminate the employment of other employees in certain other locations. As part of this plan, we eliminated approximately 110 full-time positions, representing approximately 10% of our workforce, primarily within customer care and enrollment, and to a lesser extent, in our marketing and advertising and general and administrative groups. Total pre-tax restructuring charges for the year ended December 31, 2018 were $1.9 million, which included approximately $1.6 million for employee termination benefits and $0.3 million in non-cash accelerated stock-based compensation. Substantially all of the restructuring charges resulted in cash expenditures. The restructuring activities comprising the plan were completed by June 30, 2018, and there were no restructuring charges during the three or six months ended June 30, 2019.

Leases

6 Months Ended

Jun. 30, 2019

Leases [Abstract]

Leases

Adoption of ASC 842

On January 1, 2019, we adopted ASC 842—Leases, using the optional transition method. We have operating and finance leases for our corporate offices and certain equipment. Our leases have remaining lease terms of 1 year to 11 years. Our operating lease expense recognized under ASC 842 for the three months ended June 30, 2019 was $1.6 million and $2.9 million for the six months ended June 30, 2019, and our cash outflows related to operating leases were $1.2 million for the three months ended June 30, 2019 and $2.1 million for the six months ended June 30, 2019. As a result of adopting the ASU, on January 1, 2019, we recorded a right-of-use asset and lease liability of $23.3 million and $24.6 million, respectively. During the three months ended June 30, 2019, we recorded $12.4 million of additional right-of-use assets and operating lease liabilities. During the six months ended June 30, 2019, we recorded $40.5 million of right-of-use assets through non-cash activities. For the three months ended June 30, 2019, we recorded an additional lease liability of $10.8 million related to a newly leased office space in Indianapolis, Indiana, which is described further below, and $1.1 million and $0.8 million related to an expansion and lease extension, respectively, of our office space in Gold River, California. We recorded an additional lease liability of $3.5 million related to an amendment entered into for our Salt Lake City office during the three months ended March 31, 2019.

Supplemental information as of June 30, 2019 related to leases is as follows (in thousands):



	June 30, 2019
Operating lease right-of-use assets	$	37,744
Operating lease liabilities	$	39,282

Weighted-average remaining lease term of operating leases (in years)	8.0
Weighted-average discount rate of operating leases	5.8		%

As of June 30, 2019, maturities of operating lease liabilities are as follows (in thousands):



Year ending December 31,
Remainder of 2019	$	3,029
2020	6,862
2021	6,236
2022	4,964
2023	5,792
Thereafter	26,958
Total lease payments	53,841
Less imputed interest	(14,559		)
Total	$	39,282

Operating Lease Obligations

We lease our operating facilities and certain of our equipment, furniture and fixtures under various operating leases, the latest of which expires in January 2030. Certain of these leases have free or escalating rent payment provisions. We recognize rent expense on our operating leases on a straight-line basis over the terms of the leases, although actual cash payment obligations under certain of these agreements fluctuate over the terms of the agreements.

On April 8, 2019, we entered into an amendment to the lease agreement for our Gold River, California, office to expand our office space to a total of 63,206 square feet from 44,738 square feet. The lease term for the expanded office space commenced on May 1, 2019. The term of the expanded office space will terminate on September 30, 2021. As of June 30, 2019, future minimum payments are expected to be $3.7 million over the remaining term of the lease plus our proportionate share of certain operating expenses, insurance costs and taxes for each calendar year during the lease. In addition, we have an option to extend the lease for one additional period of five years at the end of the term of the lease and will receive a one-time refurbishment allowance from the landlord if the option to renew is exercised.

On June 3, 2019, we entered into a sublease agreement for 56,276 square feet and a lease agreement for 81,515 square feet as a sublessee and lessee, respectively, of office space in Indianapolis, Indiana. The sublease consists of two suites (Suite 200 and Suite 300). The lease term of Suite 300 commenced on June 3, 2019, and the lease term of Suite 200 commenced on July 1, 2019. The term of the sublease will terminate on October 31, 2022. The term of the lease, which will commence after the sublease, extends from November 1, 2022 to January 31, 2030, which, in addition to Suite 200 and Suite 300, includes an additional 25,239 square feet of office space in Suite 100. As of June 30, 2019, future minimum payments related to the Indiana office space are expected to be $17.8 million over the remaining term of the lease, plus our proportionate share of certain operating expenses, insurance costs and taxes for each calendar year during the lease. The landlord also agreed to contribute up to $1.9 million toward the cost of leasehold improvements. We also paid $0.9 million for security deposits to the landlord during the three months ended June 30, 2019, which are classified as other assets on the balance sheet as of June 30, 2019.

On March 26, 2019, we entered into an amendment to the lease agreement for our Salt Lake City, Utah, office to expand our office space to a total of 41,813 square feet from 28,915 square feet. The lease term for the expanded office space commenced on May 1, 2019. The term of the lease for the original and expanded office space was also extended to terminate on the last day of the month that is 84 months after the commencement date of the expanded space. As of June 30, 2019, future minimum payments are expected to be $7.1 million over the remaining term of the lease plus our proportionate share of certain operating expenses, insurance costs and taxes for each calendar year during the lease.

On April 25, 2018, we entered into a lease agreement to lease approximately 32,492 square feet of office space located in Santa Clara, California. We entered into this lease agreement as a result of the expiration of one of our leases in Mountain View, California on December 31, 2018. The term of the lease is approximately one hundred twenty-three months, commencing on October 1, 2018 and ending on an estimated date of February 28, 2029. As of June 30, 2019, future minimum payments are expected to be $16.9 million over the remaining term of the lease plus our proportionate share of certain operating expenses, insurance costs and taxes for each calendar year during the lease.

In connection with the Santa Clara, California lease agreement, we entered into a financial guarantee consisting of a standby letter of credit for $1.5 million, which may be reduced in increments of 20% of the original amount thereof on the second, third, fourth and fifth anniversaries of the commencement date, and may be reduced by an additional 8% of the original amount on the sixth anniversary of the commencement date, subject to our compliance with the applicable conditions to such reductions set forth in the lease.

In March 2018, we entered into an agreement to lease 26,878 square feet of office space in Austin, Texas. The term of this lease agreement is 90 months, commencing in September 2018 and ending in May 2026. As of June 30, 2019, future minimum payments are expected to be $4.3 million over the remaining term of the lease plus our proportionate share of certain operating expenses, insurance costs and taxes for each calendar year during the lease.

In connection with the Austin, Texas office lease agreement, we entered into a financial guarantee consisting of a standby letter of credit for $0.6 million, which may be reduced on the third and subsequent anniversaries of the commencement date, subject to our compliance with the applicable conditions to such reductions set forth in the lease.

In March 2012, we entered into an agreement to lease 18,272 square feet of office space in Mountain View, California. In connection with this lease agreement, we entered into a financial guarantee consisting of a standby letter of credit for $0.6 million, which may be reduced in increments of 25% of the original amount thereof on the first, second and third anniversaries of the commencement date, subject to our compliance with the applicable conditions to such reductions set forth in the lease. On November 2, 2018, we entered into an agreement to sublease this office space to a third party. As of June 30, 2019, future minimum payments are expected to be $3.1 million. The obligation as of June 30, 2019 was immaterial net of sublease income.

Debt	6 Months Ended
Debt	Jun. 30, 2019
Debt Disclosure [Abstract]
Debt	Debt On September 17, 2018, we entered into a Credit Agreement with Royal Bank of Canada (“RBC”), as administrative agent and collateral agent (the “Credit Agreement”). The Credit Agreement provides for a $40 million secured asset-backed revolving credit facility with a $5 million letter of credit sub-facility. The commitments under the Credit Agreement expire on September 17, 2021, at which time any amounts drawn under facility are contractually due. The borrowing base under the Credit Agreement is comprised of an amount equal to (a) the lesser of (i) eighty percent (80%) of Eligible Commissions Receivables (as defined in the Credit Agreement) we actually collected by during the immediately preceding period of three months or (ii) eighty percent (80%) of our Eligible Commission Receivables for the immediately succeeding period of three months, plus (b) fifty percent (50%) of our Eligible Commission Receivables for the immediately succeeding period of six months (excluding the immediately succeeding period of three months), in each case subject to reserves established by RBC (the “Borrowing Base”). The proceeds of the loans under the Credit Agreement may be used for working capital and general corporate purposes. The Borrowers have the right to prepay the loans under the Credit Agreement in whole or in part at any time without penalty. Subject to availability under the Borrowing Base, amounts repaid may be reborrowed. Amounts not borrowed under the Credit Agreement will be subject to a commitment fee of 0.5% per annum on the daily unused portion of the credit facility, to be paid in arrears on the first business day of each calendar quarter. At closing, the Company paid a one-time facility fee of 1.75% of the total commitments under the Credit Agreement. The Company is also obligated to pay other customary administration fees for a credit facility of this size and type. Availability under the credit facility is up to the lesser of $40 million or the Borrowing Base, which may be reduced from time to time pursuant to the Credit Agreement. In addition, the Credit Agreement contains a financial covenant requiring that we maintain Excess Availability (as defined in the Credit Agreement) at or above $6 million at any time. As of June 30, 2019, we were in compliance with all debt covenants. We incurred $1.2 million of issuance costs in connection with the Credit Agreement, which were capitalized as part of other assets on the balance sheet. As of June 30, 2019, the balance of these issuance costs was $0.9 million. As of June 30, 2019, we had no outstanding principal amount under our revolving credit facility.

Public Offering of Common Stock	6 Months Ended
Public Offering of Common Stock	Jun. 30, 2019
Equity [Abstract]
Public Offering of Common Stock	Public Offering of Common Stock Pursuant to the effective registration statement which was filed on December 17, 2018, and amended on January 22, 2019, we entered into an underwriting agreement in January 2019 to issue a total of 2,760,000 shares of common stock, which included the exercise in full of the underwriters’ option to purchase 360,000 additional shares of common stock, at a price to the public of $48.50 per share. Net proceeds from the offering were approximately $126.1 million after deducting underwriting discounts, commissions and expenses of the offering. We intend to use the net proceeds of the offering for general corporate purposes, including working capital.

Summary of Business and Significant Accounting Policies (Policy)

6 Months Ended

Jun. 30, 2019

Accounting Policies [Abstract]

Description of Business

Basis of Presentation

Principles of Consideration

Operating Segments

•Medicare; and

•Individual, Family and Small Business.

Use of Estimates

Seasonality

Cash Equivalents

Cash Equivalents—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.

Revenue Recognition

•


•	Determination of the transaction price. The transaction price is determined based on the consideration to which we will be entitled in exchange for transferring goods or services to the customer.

•


•	Recognition of revenue when, or as, we satisfy a performance obligation. We satisfy performance obligations either over time or at a point in time, as discussed in further detail below. Revenue is recognized at the time the related performance obligation is satisfied by transferring the promised good or service to the customer.

Commission revenue by segment is presented in the table below (in thousands):



	Three Months Ended June 30, 2019						Three Months Ended June 30, 2018
	Commission Revenue from Members Approved During the Period		Net Commission Revenue Adjustments from Members Approved in Prior Periods⁽¹⁾		Total Commission Revenue		Commission Revenue from Members Approved During the Period		Net Commission Revenue Adjustments from Members Approved in Prior Periods⁽¹⁾			Total Commission Revenue
Medicare	$	47,428	$	346	$	47,774	$	24,545	$	(321	)	$	24,224
Individual, Family and Small Business	3,786		9,046		12,832		3,943		2,479			6,422
Total commission revenue	$	51,214	$	9,392	$	60,606	$	28,488	$	2,158		$	30,646

	Six Months Ended June 30, 2019						Six Months Ended June 30, 2018
	Commission Revenue from Members Approved During the Period		Net Commission Revenue Adjustments from Members Approved in Prior Periods⁽¹⁾		Total Commission Revenue		Commission Revenue from Members Approved During the Period		Net Commission Revenue Adjustments from Members Approved in Prior Periods⁽¹⁾			Total Commission Revenue
Medicare	$	98,010	$	1,413	$	99,423	$	53,604	$	(27	)	$	53,577
Individual, Family and Small Business	10,010		15,400		25,410		12,069		5,707			17,776
Total commission revenue	$	108,020	$	16,813	$	124,833	$	65,673	$	5,680		$	71,353

Commissions receivable activity during the six months ended June 30, 2019 was as follows (in thousands):



Commissions receivable, December 31, 2018	$	345,858
Commission revenue from members approved during the six months ended June 30, 2019	108,020
Net commission revenue adjustments from members approved in prior periods	16,813
Commission collections and cash receipts	(129,276		)
Commissions receivable, June 30, 2019	$	341,415



	Three and Six Months Ended June 30,
	2019		2018
Medicare
Medicare Advantage	7	%	7	%
Medicare Supplement	5	%	5	%
Medicare Part D	5	%	5	%

Individual and Family
Non-Qualified Health Plans	15	%	15	%
Qualified Health Plans	20	%	20	%

Ancillaries	10	%	10	%

Small Business	—	%	—	%

Incremental Costs to Obtain a Contract

Accounting Pronouncement Not Yet Adopted; Recently Adopted Accounting Pronouncement

Accounting Pronouncement Not Yet Adopted

Recently Adopted Accounting Pronouncement

Summary of Business and Significant Accounting Policies (Tables)

6 Months Ended

Jun. 30, 2019

Accounting Policies [Abstract]

Disaggregation of Revenue

Commission revenue by segment is presented in the table below (in thousands):



	Three Months Ended June 30, 2019						Three Months Ended June 30, 2018
	Commission Revenue from Members Approved During the Period		Net Commission Revenue Adjustments from Members Approved in Prior Periods⁽¹⁾		Total Commission Revenue		Commission Revenue from Members Approved During the Period		Net Commission Revenue Adjustments from Members Approved in Prior Periods⁽¹⁾			Total Commission Revenue
Medicare	$	47,428	$	346	$	47,774	$	24,545	$	(321	)	$	24,224
Individual, Family and Small Business	3,786		9,046		12,832		3,943		2,479			6,422
Total commission revenue	$	51,214	$	9,392	$	60,606	$	28,488	$	2,158		$	30,646

	Six Months Ended June 30, 2019						Six Months Ended June 30, 2018
	Commission Revenue from Members Approved During the Period		Net Commission Revenue Adjustments from Members Approved in Prior Periods⁽¹⁾		Total Commission Revenue		Commission Revenue from Members Approved During the Period		Net Commission Revenue Adjustments from Members Approved in Prior Periods⁽¹⁾			Total Commission Revenue
Medicare	$	98,010	$	1,413	$	99,423	$	53,604	$	(27	)	$	53,577
Individual, Family and Small Business	10,010		15,400		25,410		12,069		5,707			17,776
Total commission revenue	$	108,020	$	16,813	$	124,833	$	65,673	$	5,680		$	71,353



	Three and Six Months Ended June 30,
	2019		2018
Medicare
Medicare Advantage	7	%	7	%
Medicare Supplement	5	%	5	%
Medicare Part D	5	%	5	%

Individual and Family
Non-Qualified Health Plans	15	%	15	%
Qualified Health Plans	20	%	20	%

Ancillaries	10	%	10	%

Small Business	—	%	—	%

The table below depicts the disaggregation of revenue by product for the three and six months ended June 30, 2019 and 2018 and is consistent with how we evaluate our financial performance (in thousands):



	Three Months Ended June 30,							Six Months Ended June 30,
	2019		2018			Percent Change		2019		2018		Percent Change
Medicare
Medicare Advantage	$	36,607	$	17,738		106	%	$	76,450	$	39,673	93	%
Medicare Supplement	8,256		5,355			54	%	16,853		10,947		54	%
Medicare Part D	1,765		715			147	%	4,101		1,874		119	%
Total Medicare	46,628		23,808			96	%	97,404		52,494		86	%

Individual and Family ⁽¹⁾
Non-Qualified Health Plans	5,817		1,069			444	%	8,446		2,510		236	%
Qualified Health Plans	553		1,675			(67	)%	4,061		3,837		6	%
Total Individual and Family	6,370		2,744			132	%	12,507		6,347		97	%

Ancillaries
Short-term	2,695		1,293			108	%	4,011		2,543		58	%
Dental	928		147			531	%	1,718		1,366		26	%
Vision	295		391			(25	)%	757		731		4	%
Other	723		(118		)	(713	)%	1,674		2,653		(37	)%
Total Ancillaries	4,641		1,713			171	%	8,160		7,293		12	%

Small Business	1,998		1,772			13	%	4,638		4,131		12	%

Commission Bonus	969		609			59	%	2,124		1,088		95	%

Total Commission Revenue	60,606		30,646			98	%	124,833		71,353		75	%

Other Revenue	5,161		2,011			157	%	9,707		4,374		122	%

Total Revenue	$	65,767	$	32,657		101	%	$	134,540	$	75,727	78	%



(1)	We define our individual and family plan offerings as major medical individual and family health insurance plans, which does not include Medicare-related, small business or ancillary plans. Individual and family health insurance plans include both qualified and non-qualified plans. Qualified health plans are individual and family health insurance plans that meet the requirements of the Affordable Care Act and are offered through the government-run health insurance exchange in the relevant jurisdiction. Non-qualified health plans are individual and family health insurance plans that meet the requirements of the Affordable Care Act and are not offered through the exchange in the relevant jurisdiction. Individuals that purchase non-qualified health plans cannot receive a subsidy in connection with the purchase of non-qualified plans.

Schedule of Commissions Receivable

Commissions receivable activity during the six months ended June 30, 2019 was as follows (in thousands):



Commissions receivable, December 31, 2018	$	345,858
Commission revenue from members approved during the six months ended June 30, 2019	108,020
Net commission revenue adjustments from members approved in prior periods	16,813
Commission collections and cash receipts	(129,276		)
Commissions receivable, June 30, 2019	$	341,415

Acquisition (Tables)

6 Months Ended

Jun. 30, 2019

Business Combinations [Abstract]

Schedule of Business Acquisitions

The major classes of assets and liabilities to which we have allocated the acquisition consideration were as follows (in thousands):



Acquisition Consideration
Cash paid	$	15,000
Fair value of equity awards issued to GoMedigap members ⁽¹⁾	5,595
Estimated fair value of earnout liability ⁽²⁾	27,700
	$	48,295
Allocation
Cash and cash equivalents	$	71
Commission receivable—current	4,371
Prepaid expenses and other current assets	11
Commission receivable—non-current	11,103
Property and equipment, net	174
Accounts payable	(110		)
Accrued compensation and benefits	(132		)
Other current liabilities	(130		)
Net tangible assets acquired	15,358
Intangible assets	6,800
Goodwill	26,137
Total intangible assets acquired	32,937
Total net assets acquired	$	48,295

(1) The fair value of equity awards issued was determined based on the January 22, 2018 closing price of our common stock of $18.99 per share.

Acquisition Fair Value Measurements

Assets acquired and liabilities assumed measured and reported at fair value are classified in one of the following categories based on inputs:



Level 1	Unadjusted quoted prices in active markets for identical assets or liabilities.
Level 2	Unadjusted quoted prices in active markets for similar assets or liabilities; or unadjusted quoted prices for identical or similar assets or liabilities in markets that are not active; or inputs other than quoted prices that are observable for the asset or liability.
Level 3	Unobservable inputs for the asset or liability.

Schedule of Acquired Indefinite-lived Intangible Assets by Major Class

Following are the details of the acquisition consideration allocated to the intangible assets acquired (in thousands):



Technology	$	2,000
Trade names, trademarks and website addresses	4,800
Total intangible assets	$	6,800

Balance Sheet Accounts (Tables)

6 Months Ended

Jun. 30, 2019

Balance Sheet Related Disclosures [Abstract]

Schedule Of Cash And Cash Equivalents

As of June 30, 2019 and December 31, 2018, our cash and cash equivalent balances were invested as follows (in thousands):



	June 30, 2019		December 31, 2018
Cash	$	12,280	$	12,766
Money market funds	103,603		323
Total cash and cash equivalents	$	115,883	$	13,089

Schedule of Accounts Receivable

Total accounts receivable as of June 30, 2019 and December 31, 2018 was comprised of the following (in thousands):



	June 30, 2019		December 31, 2018
Accounts receivable	$	1,059	$	3,601
Commissions receivable—current	117,573		134,190
Commissions receivable—non-current	223,842		211,668
Total accounts receivable	$	342,474	$	349,459

Schedule of Credit Risk

Carriers that represented 10% or more of our total accounts receivable balance of $342.5 million and $349.5 million as of June 30, 2019 and December 31, 2018, respectively, were as follows:



	June 30, 2019		December 31, 2018
Aetna⁽¹⁾	21	%	19	%
UnitedHealthcare ⁽²⁾	20	%	19	%
Humana	18	%	19	%


(1)	Aetna also includes other carriers owned by Aetna.


(2)	UnitedHealthcare also includes other carriers owned by UnitedHealthcare.

Schedule Of Prepaid Expenses And Other Current Assets

Prepaid expenses and other current assets as of June 30, 2019 and December 31, 2018 was comprised of the following (in thousands):



	June 30, 2019		December 31, 2018
Prepaid maintenance contracts	$	3,025	$	1,937
Equity issuance costs	—		294
Prepaid insurance	791		161
Prepaid facilities	87		324
Income tax receivable	1,108		1,108
Prepaid advertising	3,898		62
Restricted cash	1,608		—
Other current assets	1,663		1,402
Total prepaid expenses and other current assets	$	12,180	$	5,288

Schedule Of Intangible Assets

The carrying amounts, accumulated amortization, net carrying value and weighted average remaining life of our definite-lived amortizable intangible assets, as well as our indefinite-lived intangible trademarks, are presented in the table below as of June 30, 2019 and December 31, 2018 (dollars in thousands, weighted-average remaining life in years):



	June 30, 2019								December 31, 2018
	Gross Carrying Amount		Accumulated Amortization			Net Carrying Amount		Weighted-Average Remaining Life	Gross Carrying Amount		Accumulated Amortization			Net Carrying Amount
Technology	$	2,000	$	(944	)	$	1,056	1.6	$	2,000	$	(611	)	$	1,389
Pharmacy and customer relationships	9,500		(8,708		)	792		0.8	9,500		(8,234		)	1,266
Trade names, trademarks and website addresses	5,700		(1,506		)	4,194		8.4	5,700		(1,220		)	4,480
Total intangible assets subject to amortization	$	17,200	$	(11,158	)	6,042			$	17,200	$	(10,065	)	7,135
Indefinite-lived trademarks and domain names						5,114		Indefinite						5,114
Total intangible assets						$	11,156							$	12,249

Schedule Of Intangible Assets Future Amortization Expense

As of June 30, 2019, expected amortization expense in future periods is as follows (in thousands):



Years Ending December 31,	Technology		Pharmacy and Customer Relationships		Trade Names, Trademarks and Website Addresses		Total
Remainder of 2019	$	333	$	475	$	284	$	1,092
2020	667		317		510		1,494
2021	56		—		480		536
2022	—		—		480		480
2023	—		—		480		480
Thereafter	—		—		1,960		1,960
Total	$	1,056	$	792	$	4,194	$	6,042

Fair Value Measurements (Tables)

6 Months Ended

Jun. 30, 2019

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



	June 30, 2019								December 31, 2018
	Carrying Value		Level 1		Level 3		Total		Carrying Value		Level 1		Level 3		Total
Assets
Money market funds	$	103,603	$	103,603	$	—	$	103,603	$	323	$	323	$	—	$	323
Total assets measured and recorded at fair value	$	103,603	$	103,603	$	—	$	103,603	$	323	$	323	$	—	$	323

Liabilities
Earnout liability—current	$	33,700	$	—	$	33,700	$	33,700	$	20,730	$	—	$	20,730	$	20,730
Earnout liability—non-current	—		—		—		—		19,270		—		19,270		19,270
Total liabilities measured and recorded at fair value	$	33,700	$	—	$	33,700	$	33,700	$	40,000	$	—	$	40,000	$	40,000

Summary of Earnout Liability Activity

Earnout liability activity during the three and six months ended June 30, 2019 was as follows (in thousands):



Balance at December 31, 2018	$	40,000
Settlement of first earnout liability	(26,800		)
Change in fair value	13,300
Balance at March 31, 2019	$	26,500
Change in fair value	7,200
Balance at June 30, 2019	$	33,700

Stockholder's Equity (Tables)

6 Months Ended

Jun. 30, 2019

Stockholders' Equity Note [Abstract]

Schedule Of Stock Option Share Activity Under Stock Plans

The following table summarizes activity under our 2014 Equity Incentive Plan (the “2014 Plan”) for the six months ended June 30, 2019 (in thousands):



	Shares Available for Grant
Shares available for grant December 31, 2018	512
Additional shares authorized pursuant to the 2014 Equity Incentive Plan	2,500
Restricted stock units granted ⁽¹⁾	(475	)
Options granted ⁽²⁾	(14	)
Restricted stock units cancelled ⁽³⁾	72
Options cancelled	26
Shares available for grant June 30, 2019	2,621


(1)	Includes grants of restricted stock units with service, performance-based or market-based vesting criteria.


(2)	Includes grants of stock options with service, performance-based or market-based vesting criteria.


(3)	Includes cancelled restricted stock units with service, performance-based or market-based vesting criteria.

Schedule Of Activity Under Stock Plans



	Number of Stock Options ⁽¹⁾		Weighted Average Exercise Price		Weighted-Average Remaining Contractual Life (years)	Aggregate Intrinsic Value ⁽²⁾
Balance outstanding at December 31, 2018	1,005		$	18.34	5.0	$	20,226
Granted	14		$	65.43
Exercised	(160	)	$	20.06
Cancelled	(31	)	$	23.22
Balance outstanding at June 30, 2019	828		$	18.62	4.9	$	55,860
Vested and expected to vest at June 30, 2019	794		$	18.32	4.8	$	53,878
Exercisable at June 30, 2019	436		$	14.74	4.3	$	31,126


(1)	Includes certain stock options with service, performance-based or market-based vesting criteria.


(2)	The aggregate intrinsic value is calculated as the difference between the closing price of our common stock as of June 30, 2019 and December 31, 2018 and the exercise price multiplied by number of in-the-money options.

Schedule Of Restricted Stock Unit Activity Under Stock Plans



	Number of Restricted Stock Units ⁽¹⁾		Weighted-Average Grant Date Fair Value		Weighted-Average Remaining Service Period (years)	Aggregate Intrinsic Value ⁽²⁾
Unvested as of December 31, 2018	1,869		$	16.95	4.8	$	71,816
Granted	475		$	63.02
Vested	(189	)	$	14.31
Cancelled	(72	)	$	20.50
Unvested as of June 30, 2019	2,083		$	27.54	5.5	$	179,362


(1)	Includes certain restricted stock units with service, performance-based or market-based vesting criteria.


(2)	The aggregate intrinsic value is calculated as the product of our closing stock price as of June 30, 2019 and December 31, 2018, and the number of restricted stock units outstanding as of June 30, 2019 and December 31, 2018, respectively.

Schedule Of Stock-Based Compensation Expense By Award Type

The following table summarizes stock-based compensation expense recorded during the three and six months ended June 30, 2019 and 2018 (in thousands):



	Three Months Ended June 30,				Six Months Ended June 30,
	2019		2018		2019		2018
Common stock options	$	530	$	436	$	1,132	$	934
Restricted stock units	4,148		2,695		6,775		4,998
Total stock-based compensation expense	$	4,678	$	3,131	$	7,907	$	5,932

Schedule Of Stock-Based Compensation Expense By Operating Function

The following table summarizes stock-based compensation expense by operating function for the three and six months ended June 30, 2019 and 2018 (in thousands):



	Three Months Ended June 30,				Six Months Ended June 30,
	2019		2018		2019		2018
Marketing and advertising	$	711	$	553	$	1,340	$	923
Customer care and enrollment	285		206		558		371
Technology and content	668		383		1,217		726
General and administrative	3,014		1,989		4,792		3,661
Restructuring charges	—		—		—		251
Total stock-based compensation expense	$	4,678	$	3,131	$	7,907	$	5,932

Income Taxes (Tables)

6 Months Ended

Jun. 30, 2019

Income Tax Disclosure [Abstract]

Schedule Of Components Of Income Tax Expense

The following table summarizes our benefit from income taxes and our effective tax rates for the three and six months ended June 30, 2019 and 2018 (in thousands, except effective tax rate):



	Three Months Ended June 30,						Six Months Ended June 30,
	2019			2018			2019			2018
Loss before benefit from income taxes	$	(11,612	)	$	(16,624	)	$	(20,238	)	$	(23,160	)
Benefit from income taxes	(5,858		)	(4,610		)	(9,325		)	(6,301		)
Effective tax rate	50.4		%	27.7		%	46.1		%	27.2		%

Operating Segments, Geographic Information and Significant Customers (Tables)

6 Months Ended

Jun. 30, 2019

Segment Reporting [Abstract]

Schedule of Segment Reporting Information, by Segment

The following table presents summary results of our operating segments for the three and six months ended June 30, 2019 and 2018 (in thousands):



	Three Months Ended June 30,						Six Months Ended June 30,
	2019			2018			2019			2018
Revenue
Medicare revenue	$	52,267		$	25,468		$	107,168		$	56,231
Individual, Family and Small Business revenue	13,500			7,189			27,372			19,496
Total revenue	$	65,767		$	32,657		$	134,540		$	75,727

Segment profit (loss)
Medicare segment profit (loss)	$	6,095		$	(1,473	)	$	16,921		$	1,707
Individual, Family and Small Business segment profit (loss)	5,268			(617		)	11,292			2,871
Total segment profit (loss)	11,363			(2,090		)	28,213			4,578
Corporate	(10,516		)	(7,994		)	(18,812		)	(15,848		)
Stock-based compensation expense	(4,678		)	(3,131		)	(7,907		)	(5,681		)
Depreciation and amortization	(733		)	(631		)	(1,388		)	(1,250		)
Acquisition costs	—			(18		)	—			(76		)
Change in fair value of earnout liability	(7,200		)	(2,500		)	(20,506		)	(2,500		)
Restructuring charges	—			(9		)	—			(1,865		)
Amortization of intangible assets	(547		)	(547		)	(1,094		)	(998		)
Other income, net	699			296			1,256			480
Loss before benefit from income taxes	$	(11,612	)	$	(16,624	)	$	(20,238	)	$	(23,160	)

Schedule Of Long Lived Assets By Geographical Areas

Long-lived assets by geographical area as of June 30, 2019 and December 31, 2018 were as follows (in thousands):



	June 30, 2019		December 31, 2018
United States	$	19,614	$	15,614
China	322		378
Total	$	19,936	$	15,992

Schedule Of Revenue By Major Customers

Carriers representing 10% or more of our total revenue for the three and six months ended June 30, 2019 and 2018 are presented in the table below:



	Three Months Ended June 30,				Six Months Ended June 30,
	2019		2018		2019		2018
Humana	22	%	15	%	22	%	15	%
UnitedHealthcare ⁽¹⁾	19	%	24	%	18	%	22	%
Aetna⁽²⁾	16	%	11	%	17	%	10	%


(1)	UnitedHealthcare also includes other carriers owned by UnitedHealthcare.


(2)	Aetna also includes other carriers owned by Aetna.

Leases (Tables)

6 Months Ended

Jun. 30, 2019

Leases [Abstract]

Schedule of Supplemental Balance Sheet Information

Supplemental information as of June 30, 2019 related to leases is as follows (in thousands):



	June 30, 2019
Operating lease right-of-use assets	$	37,744
Operating lease liabilities	$	39,282

Weighted-average remaining lease term of operating leases (in years)	8.0
Weighted-average discount rate of operating leases	5.8		%

Schedule of Operating Lease Maturities

As of June 30, 2019, maturities of operating lease liabilities are as follows (in thousands):



Year ending December 31,
Remainder of 2019	$	3,029
2020	6,862
2021	6,236
2022	4,964
2023	5,792
Thereafter	26,958
Total lease payments	53,841
Less imputed interest	(14,559		)
Total	$	39,282

Summary of Business and Significant Accounting Policies - Narrative (Details) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019 USD ($) state $ / shares	Jun. 30, 2018 USD ($) $ / shares	Jun. 30, 2019 USD ($) segment state $ / shares	Jun. 30, 2018 USD ($) $ / shares	Jan. 01, 2019 USD ($)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Number of states in which the Company is licensed to market and sell health insurance \| state	50		50
Number of operating segments \| segment			2
Payment terms			Payment of commissions typically commences within 60 days from the effective date. Payment terms for non-commission revenue are typically 30 days from the invoice date.
Operating lease right-of-use assets	$ 37,744		$ 37,744
Operating lease liabilities	39,282		39,282
Additional revenue	$ 65,767	$ 32,657	$ 134,540	$ 75,727
Net income per share (in usd per share) \| $ / shares	$ (0.25)	$ (0.63)	$ (0.48)	$ (0.89)
ASU 2016-02
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Operating lease right-of-use assets					$ 23,300
Operating lease liabilities					$ 24,600
Commission, Members Approved In Prior Periods
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Additional revenue	$ 9,392	$ 2,158	$ 16,813	$ 5,680
Net income per share (in usd per share) \| $ / shares	$ 0.41	$ 0.11	$ 0.75	$ 0.30

Summary of Business and Significant Accounting Policies - Commission Revenue by Segment (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Disaggregation of Revenue [Line Items]
Total revenue	$ 65,767	$ 32,657	$ 134,540	$ 75,727
Commission
Disaggregation of Revenue [Line Items]
Total revenue	60,606	30,646	124,833	71,353
Commission, Members Approved During Current Period
Disaggregation of Revenue [Line Items]
Total revenue	51,214	28,488	108,020	65,673
Commission, Members Approved In Prior Periods
Disaggregation of Revenue [Line Items]
Total revenue	9,392	2,158	16,813	5,680
Medicare \| Commission
Disaggregation of Revenue [Line Items]
Total revenue	47,774	24,224	99,423	53,577
Medicare \| Commission, Members Approved During Current Period
Disaggregation of Revenue [Line Items]
Total revenue	47,428	24,545	98,010	53,604
Medicare \| Commission, Members Approved In Prior Periods
Disaggregation of Revenue [Line Items]
Total revenue	346	(321)	1,413	(27)
Individual, Family and Small Business \| Commission
Disaggregation of Revenue [Line Items]
Total revenue	12,832	6,422	25,410	17,776
Individual, Family and Small Business \| Commission, Members Approved During Current Period
Disaggregation of Revenue [Line Items]
Total revenue	3,786	3,943	10,010	12,069
Individual, Family and Small Business \| Commission, Members Approved In Prior Periods
Disaggregation of Revenue [Line Items]
Total revenue	$ 9,046	$ 2,479	$ 15,400	$ 5,707

Summary of Business and Significant Accounting Policies - Commission Revenue Activity (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Change In Commissions Receivable [Roll Forward]
Commissions receivable, beginning			$ 345,858
Total revenue	$ 65,767	$ 32,657	134,540	$ 75,727
Commission collections and cash receipts			(129,276)
Commissions receivable, ending	341,415		341,415
Commission, Members Approved During Current Period
Change In Commissions Receivable [Roll Forward]
Total revenue	51,214	28,488	108,020	65,673
Commission, Members Approved In Prior Periods
Change In Commissions Receivable [Roll Forward]
Total revenue	$ 9,392	$ 2,158	$ 16,813	$ 5,680

Summary of Business and Significant Accounting Policies - Disaggregation of Revenue (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Disaggregation of Revenue [Line Items]
Total revenue	$ 65,767	$ 32,657	$ 134,540	$ 75,727
Percent Change	101.00%		78.00%
Medicare
Disaggregation of Revenue [Line Items]
Total revenue	$ 46,628	$ 23,808	$ 97,404	$ 52,494
Percent Change	96.00%		86.00%
Medicare \| Medicare Advantage
Disaggregation of Revenue [Line Items]
LTV Commissions	7.00%	7.00%	7.00%	7.00%
Total revenue	$ 36,607	$ 17,738	$ 76,450	$ 39,673
Percent Change	106.00%		93.00%
Medicare \| Medicare Supplement
Disaggregation of Revenue [Line Items]
LTV Commissions	5.00%	5.00%	5.00%	5.00%
Total revenue	$ 8,256	$ 5,355	$ 16,853	$ 10,947
Percent Change	54.00%		54.00%
Medicare \| Medicare Part D
Disaggregation of Revenue [Line Items]
LTV Commissions	5.00%	5.00%	5.00%	5.00%
Total revenue	$ 1,765	$ 715	$ 4,101	$ 1,874
Percent Change	147.00%		119.00%
Individual and Family
Disaggregation of Revenue [Line Items]
Total revenue	$ 6,370	$ 2,744	$ 12,507	$ 6,347
Percent Change	132.00%		97.00%
Individual and Family \| Non-Qualified Health Plans
Disaggregation of Revenue [Line Items]
LTV Commissions	15.00%	15.00%	15.00%	15.00%
Total revenue	$ 5,817	$ 1,069	$ 8,446	$ 2,510
Percent Change	444.00%		236.00%
Individual and Family \| Qualified Health Plans
Disaggregation of Revenue [Line Items]
LTV Commissions	20.00%	20.00%	20.00%	20.00%
Total revenue	$ 553	$ 1,675	$ 4,061	$ 3,837
Percent Change	(67.00%)		6.00%
Ancillaries
Disaggregation of Revenue [Line Items]
LTV Commissions	10.00%	10.00%	10.00%	10.00%
Total revenue	$ 4,641	$ 1,713	$ 8,160	$ 7,293
Percent Change	171.00%		12.00%
Ancillaries \| Short-term
Disaggregation of Revenue [Line Items]
Total revenue	$ 2,695	1,293	$ 4,011	2,543
Percent Change	108.00%		58.00%
Ancillaries \| Dental
Disaggregation of Revenue [Line Items]
Total revenue	$ 928	147	$ 1,718	1,366
Percent Change	531.00%		26.00%
Ancillaries \| Vision
Disaggregation of Revenue [Line Items]
Total revenue	$ 295	391	$ 757	731
Percent Change	(25.00%)		4.00%
Ancillaries \| Other
Disaggregation of Revenue [Line Items]
Total revenue	$ 723	$ (118)	$ 1,674	$ 2,653
Percent Change	(713.00%)		(37.00%)
Small Business
Disaggregation of Revenue [Line Items]
LTV Commissions	0.00%	0.00%	0.00%	0.00%
Total revenue	$ 1,998	$ 1,772	$ 4,638	$ 4,131
Percent Change	13.00%		12.00%
Commission Bonus
Disaggregation of Revenue [Line Items]
Total revenue	$ 969	609	$ 2,124	1,088
Percent Change	59.00%		95.00%
Commission
Disaggregation of Revenue [Line Items]
Total revenue	$ 60,606	30,646	$ 124,833	71,353
Percent Change	98.00%		75.00%
Other
Disaggregation of Revenue [Line Items]
Total revenue	$ 5,161	$ 2,011	$ 9,707	$ 4,374
Percent Change	157.00%		122.00%

Acquisition - Narrative (Details) - USD ($) $ in Thousands		3 Months Ended			6 Months Ended
Acquisition - Narrative (Details) - USD ($) $ in Thousands	Jan. 22, 2018	Jun. 30, 2019	Mar. 31, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Business Acquisition [Line Items]
Acquisition-related contingent payments					$ 9,542	$ 0
Change in fair value of earnout liability		$ 7,200		$ 2,500	$ 20,506	$ 2,500
GoMedigap
Business Acquisition [Line Items]
Cash paid	$ 15,000
Cash and cash equivalents	$ 71
Shares acquired (in shares)	294,637
Earnout consideration	$ 20,000
Earnout consideration (in shares)	589,216
Acquisition-related contingent payments			$ 9,500
Stock issued for acquisition	$ 5,595		$ 17,300
Goodwill deductible period	15 years
Trade names, trademarks and website addresses
Business Acquisition [Line Items]
Weighted-Average Remaining Life					8 years 4 months 24 days
Minimum \| Trade names, trademarks and website addresses \| GoMedigap
Business Acquisition [Line Items]
Weighted-Average Remaining Life					3 years
Maximum \| Trade names, trademarks and website addresses \| GoMedigap
Business Acquisition [Line Items]
Weighted-Average Remaining Life					10 years

Acquisition - Purchase Price Allocation (Details) - USD ($) $ / shares in Units, $ in Thousands		3 Months Ended
	Jan. 22, 2018	Mar. 31, 2019	Jun. 30, 2019	Dec. 31, 2018
Allocation
Goodwill			$ 40,233	$ 40,233
Share price (usd per share)	$ 18.99
GoMedigap
Acquisition Consideration
Cash paid	$ 15,000
Fair value of equity awards issued to GoMedigap members	5,595	$ 17,300
Estimated fair value of earnout liability	27,700
Purchase price	48,295
Allocation
Cash and cash equivalents	71
Commission receivable—current	4,371
Prepaid expenses and other current assets	11
Commission receivable—non-current	11,103
Property and equipment, net	174
Accounts payable	(110)
Accrued compensation and benefits	(132)
Other current liabilities	(130)
Net tangible assets acquired	15,358
Intangible assets	6,800
Goodwill	26,137
Total intangible assets acquired	32,937
Total net assets acquired	48,295
Technology \| GoMedigap
Allocation
Intangible assets	2,000
Trade names, trademarks and website addresses \| GoMedigap
Allocation
Intangible assets	$ 4,800

Balance Sheet Accounts - Schedule of Cash and Cash Equivalents (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Balance Sheet Related Disclosures [Abstract]
Cash	$ 12,280	$ 12,766
Money market funds	103,603	323
Total cash and cash equivalents	$ 115,883	$ 13,089

Balance Sheet Accounts - Schedule of Accounts Receivable (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Balance Sheet Related Disclosures [Abstract]
Total accounts receivable	$ 1,059	$ 3,601
Commissions receivable—current	117,573	134,190
Commissions receivable—non-current	223,842	211,668
Total accounts receivable	$ 342,474	$ 349,459

Balance Sheet Accounts - Narrative (Details) - USD ($)	Jun. 30, 2019	Dec. 31, 2018	Jun. 30, 2018
Balance Sheet Related Disclosures [Abstract]
Cash and cash equivalents	$ 115,883,000	$ 13,089,000
Restricted cash	1,608,000	0	$ 0
Accounts receivable	$ 342,474,000	$ 349,459,000

Balance Sheet Accounts - Schedule of Credit Risk (Details) - Customer Concentration Risk - Accounts Receivable	6 Months Ended	12 Months Ended
	Jun. 30, 2019	Dec. 31, 2018
Aetna
Concentration Risk [Line Items]
Major customer revenue, percentage	21.00%	19.00%
UnitedHealthcare
Concentration Risk [Line Items]
Major customer revenue, percentage	20.00%	19.00%
Humana
Concentration Risk [Line Items]
Major customer revenue, percentage	18.00%	19.00%

Balance Sheet Accounts - Schedule of Prepaid Expenses and Other Current Assets (Details) - USD ($)	Jun. 30, 2019	Dec. 31, 2018	Jun. 30, 2018
Balance Sheet Related Disclosures [Abstract]
Prepaid maintenance contracts	$ 3,025,000	$ 1,937,000
Equity issuance costs	0	294,000
Prepaid insurance	791,000	161,000
Prepaid facilities	87,000	324,000
Income tax receivable	1,108,000	1,108,000
Prepaid advertising	3,898,000	62,000
Restricted cash	1,608,000	0	$ 0
Other current assets	1,663,000	1,402,000
Total prepaid expenses and other current assets	$ 12,180,000	$ 5,288,000

Balance Sheet Accounts - Schedule of Intangible Assets (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2019	Dec. 31, 2018
Schedule Of Intangible Assets [Line Items]
Gross Carrying Amount	$ 17,200	$ 17,200
Accumulated Amortization	(11,158)	(10,065)
Total	6,042	7,135
Indefinite-lived trademarks and domain names	5,114	5,114
Total intangible assets	11,156	12,249
Technology
Schedule Of Intangible Assets [Line Items]
Gross Carrying Amount	2,000	2,000
Accumulated Amortization	(944)	(611)
Total	$ 1,056	1,389
Weighted-Average Remaining Life	1 year 7 months 6 days
Pharmacy and customer relationships
Schedule Of Intangible Assets [Line Items]
Gross Carrying Amount	$ 9,500	9,500
Accumulated Amortization	(8,708)	(8,234)
Total	$ 792	1,266
Weighted-Average Remaining Life	9 months 18 days
Trade names, trademarks and website addresses
Schedule Of Intangible Assets [Line Items]
Gross Carrying Amount	$ 5,700	5,700
Accumulated Amortization	(1,506)	(1,220)
Total	$ 4,194	$ 4,480
Weighted-Average Remaining Life	8 years 4 months 24 days

Balance Sheet Accounts - Schedule of Intangible Asset Future Amortization Expense (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Fiscal Year Maturity [Abstract]
Remainder of 2019	$ 1,092
2020	1,494
2021	536
2022	480
2023	480
Thereafter	1,960
Total	6,042	$ 7,135
Technology
Fiscal Year Maturity [Abstract]
Remainder of 2019	333
2020	667
2021	56
2022	0
2023	0
Thereafter	0
Total	1,056	1,389
Pharmacy and customer relationships
Fiscal Year Maturity [Abstract]
Remainder of 2019	475
2020	317
2021	0
2022	0
2023	0
Thereafter	0
Total	792	1,266
Trade names, trademarks and website addresses
Fiscal Year Maturity [Abstract]
Remainder of 2019	284
2020	510
2021	480
2022	480
2023	480
Thereafter	1,960
Total	$ 4,194	$ 4,480

Fair Value Measurements - Earnout Liability Activity (Details) - Contingent Consideration - USD ($) $ in Thousands	3 Months Ended
	Jun. 30, 2019	Mar. 31, 2019
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	$ 26,500	$ 40,000
Settlement of first earnout liability		(26,800)
Change in fair value	7,200
Ending balance	$ 33,700	$ 26,500

Fair Value Measurements - Narrative (Details) - USD ($) $ in Thousands		3 Months Ended	6 Months Ended
	Jan. 22, 2018	Mar. 31, 2019	Jun. 30, 2019	Jun. 30, 2018
Business Acquisition [Line Items]
Acquisition-related contingent payments			$ 9,542	$ 0
GoMedigap
Business Acquisition [Line Items]
Acquisition-related contingent payments		$ 9,500
Stock issued for acquisition	$ 5,595	$ 17,300

Stockholder's Equity - Schedule of Stock Plan Activity (Details) - 2014 Equity Incentive Plan shares in Thousands	6 Months Ended
	Jun. 30, 2019 shares
Share-based Compensation Arrangement by Share-based Payment Award, Movement in Shares Available for Grant [Roll Forward]
Shares available for grant (in shares)	512
Additional shares authorized pursuant to the 2014 Equity Incentive Plan (in shares)	2,500
Restricted stock units granted (in shares)	(475)
Options granted (in shares)	(14)
Restricted stock units cancelled (in shares)	72
Options cancelled (in shares)	26
Shares available for grant (in shares)	2,621

Stockholder's Equity - Schedule of Option Activity Under Stock Plans (Details) - Common stock options $ / shares in Units, shares in Thousands, $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2019 USD ($) $ / shares shares	Dec. 31, 2018 USD ($) $ / shares shares
Number of Stock Options
Balance outstanding (in shares) \| shares	1,005
Granted (in shares) \| shares	14
Exercised (in shares) \| shares	(160)
Cancelled (in shares) \| shares	(31)
Balance outstanding (in shares) \| shares	828	1,005
Options vested and expected to vest (in shares) \| shares	794
Options exercisable (in shares) \| shares	436
Weighted Average Exercise Price
Weighted-average exercise price, balance outstanding (in dollars per share) \| $ / shares	$ 18.34
Granted (in dollars per share) \| $ / shares	65.43
Exercised (in dollars per share) \| $ / shares	20.06
Cancelled (in dollars per share) \| $ / shares	23.22
Weighted-average exercise price, balance outstanding (in dollars per share) \| $ / shares	18.62	$ 18.34
Weighted-average exercise price, vested and expected to vest (in dollars per share) \| $ / shares	18.32
Weighted-average exercise price, exercisable (in dollars per share) \| $ / shares	$ 14.74
Weighted-average remaining contractual life (years), balance outstanding	4 years 10 months 25 days	5 years
Weighted-average remaining contractual life (years), vested and expected to Vest	4 years 9 months 18 days
Weighted-average remaining contractual life (years), exercisable	4 years 3 months 19 days
Aggregate intrinsic value, balance outstanding \| $	$ 55,860	$ 20,226
Aggregate intrinsic value, vested and expected to vest \| $	53,878
Aggregate intrinsic value, exercisable \| $	$ 31,126

Stockholder's Equity - Schedule of Restricted Stock Unit Activity Under Stock Plans (Details) - Restricted stock units - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2019	Dec. 31, 2018
Number of Restricted Stock Units
Unvested, beginning balance (in shares)	1,869
Granted (in shares)	475
Vested (in shares)	(189)
Cancelled (in shares)	(72)
Unvested, ending balance (in shares)	2,083	1,869
Weighted-Average Grant Date Fair Value
Unvested, beginning balance (in dollars per share)	$ 16.95
Granted (in dollars per share)	63.02
Vested (in dollars per share)	14.31
Cancelled (in dollars per share)	20.50
Unvested, ending balance (in dollars per share)	$ 27.54	$ 16.95
Weighted-Average Remaining Service Period (years)	5 years 6 months	4 years 9 months 18 days
Aggregate Intrinsic Value	$ 179,362	$ 71,816

Stockholder's Equity - Narrative (Details) - shares	3 Months Ended	6 Months Ended	63 Months Ended
Stockholder's Equity - Narrative (Details) - shares	Jun. 30, 2019	Jun. 30, 2019	Jun. 30, 2019	Dec. 31, 2018
Stockholders' Equity Note [Abstract]
Number of shares repurchased under share repurchase plan (in shares)	0	0	10,663,888
Treasury shares that were previously surrendered by employees to satisfy tax withholdings (in shares)		817,962
Treasury stock (in shares)	11,481,850	11,481,850	11,481,850	11,426,292

Stockholder's Equity - Schedule of Stock-Based Compensation Expense (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	$ 4,678	$ 3,131	$ 7,907	$ 5,932
Common stock options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	530	436	1,132	934
Restricted stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	4,148	2,695	6,775	4,998
Marketing and advertising
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	711	553	1,340	923
Customer care and enrollment
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	285	206	558	371
Technology and content
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	668	383	1,217	726
General and administrative
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	3,014	1,989	4,792	3,661
Restructuring charges
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total stock-based compensation expense	$ 0	$ 0	$ 0	$ 251

Income Taxes - Summary of Income Tax Benefit (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Income Tax Disclosure [Abstract]
Loss before benefit from income taxes	$ (11,612)	$ (16,624)	$ (20,238)	$ (23,160)
Benefit from income taxes	$ (5,858)	$ (4,610)	$ (9,325)	$ (6,301)
Effective tax rate	50.40%	27.70%	46.10%	27.20%

Income Taxes - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
Income Taxes - Narrative (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Income Tax Disclosure [Abstract]
Benefit from income taxes	$ 5,858	$ 4,610	$ 9,325	$ 6,301
Effective tax rate	50.40%	27.70%	46.10%	27.20%

Net Loss Per Share - 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, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Total	2,258	2,653	2,338	2,594
Common stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Total	903	1,021	948	1,013
Restricted stock units
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Total	1,355	1,632	1,390	1,581

Commitments and Contingencies (Details) $ in Thousands	Jul. 01, 2019 plaintiff	Jun. 30, 2019 USD ($)
Loss Contingencies [Line Items]
Remainder of 2019		$ 1,851
2020		2,441
2021		925
2022		415
2023		444
Thereafter		228
Total		$ 6,304
Subsequent Event \| Le'Vias Compliant
Loss Contingencies [Line Items]
Number of plaintiffs \| plaintiff	2

Operating Segments, Geographic Information and Significant Customers - Segment Operating Results (Details)	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2019 USD ($)	Jun. 30, 2018 USD ($)	Jun. 30, 2019 USD ($) segment	Jun. 30, 2018 USD ($)	Dec. 31, 2018 USD ($)
Segment Reporting Information [Line Items]
Number of operating segments \| segment			2
Total revenue	$ 65,767,000	$ 32,657,000	$ 134,540,000	$ 75,727,000
Stock-based compensation expense	(4,678,000)	(3,131,000)	(7,907,000)	(5,681,000)
Depreciation and amortization	(733,000)	(631,000)	(1,388,000)	(1,250,000)
Acquisition costs	0	(18,000)	0	(76,000)
Change in fair value of earnout liability	(7,200,000)	(2,500,000)	(20,506,000)	(2,500,000)
Restructuring benefit	0	(9,000)	0	(1,865,000)	$ (1,900,000)
Amortization of intangible assets	(547,000)	(547,000)	(1,094,000)	(998,000)
Other income, net	699,000	296,000	1,256,000	480,000
Loss before benefit from income taxes	(11,612,000)	(16,624,000)	(20,238,000)	(23,160,000)
Operating Segments
Segment Reporting Information [Line Items]
Total revenue	65,767,000	32,657,000	134,540,000	75,727,000
Segment profit (loss)	11,363,000	(2,090,000)	28,213,000	4,578,000
Operating Segments \| Medicare
Segment Reporting Information [Line Items]
Total revenue	52,267,000	25,468,000	107,168,000	56,231,000
Segment profit (loss)	6,095,000	(1,473,000)	16,921,000	1,707,000
Operating Segments \| Individual, Family and Small Business
Segment Reporting Information [Line Items]
Total revenue	13,500,000	7,189,000	27,372,000	19,496,000
Segment profit (loss)	5,268,000	(617,000)	11,292,000	2,871,000
Corporate
Segment Reporting Information [Line Items]
Segment profit (loss)	$ (10,516,000)	$ (7,994,000)	$ (18,812,000)	$ (15,848,000)

Operating Segments, Geographic Information and Significant Customers - Schedule Of Long-Lived Assets By Geographical Area (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Segment Reporting Information [Line Items]
Total	$ 19,936	$ 15,992
United States
Segment Reporting Information [Line Items]
Total	19,614	15,614
China
Segment Reporting Information [Line Items]
Total	$ 322	$ 378

Operating Segments, Geographic Information and Significant Customers - Schedule of Revenue by Major Customers (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018	Dec. 31, 2018
Revenue, Major Customer [Line Items]
Accounts receivable	$ 342,474		$ 342,474		$ 349,459
Customer Concentration Risk \| Revenue \| Humana
Revenue, Major Customer [Line Items]
Major customer revenue, percentage	22.00%	15.00%	22.00%	15.00%
Customer Concentration Risk \| Revenue \| UnitedHealthcare
Revenue, Major Customer [Line Items]
Major customer revenue, percentage	19.00%	24.00%	18.00%	22.00%
Customer Concentration Risk \| Revenue \| Aetna
Revenue, Major Customer [Line Items]
Major customer revenue, percentage	16.00%	11.00%	17.00%	10.00%

Restructuring Charges (Details)	1 Months Ended	3 Months Ended		6 Months Ended		12 Months Ended
Restructuring Charges (Details)	Feb. 28, 2018 employee	Jun. 30, 2019 USD ($)	Jun. 30, 2018 USD ($)	Jun. 30, 2019 USD ($)	Jun. 30, 2018 USD ($)	Dec. 31, 2018 USD ($)
Restructuring Cost and Reserve [Line Items]
Positions eliminated \| employee	110
Percentage of total workforce	10.00%
Charges		$ 0	$ 9,000	$ 0	$ 1,865,000	$ 1,900,000
Employee termination costs
Restructuring Cost and Reserve [Line Items]
Charges						1,600,000
Non-cash employee termination costs - stock-based compensation
Restructuring Cost and Reserve [Line Items]
Charges						$ 300,000

Leases - Narrative (Details) $ in Thousands		3 Months Ended			6 Months Ended
Leases - Narrative (Details) $ in Thousands	Apr. 25, 2018 USD ($) ft²	Jun. 30, 2019 USD ($)	Mar. 31, 2019 USD ($)	Mar. 31, 2012 USD ($) ft²	Jun. 30, 2019 USD ($)	Jun. 30, 2018 USD ($)	Nov. 01, 2022 ft²	Jun. 03, 2019 USD ($) ft² suite	Apr. 08, 2019 ft² periods	Apr. 07, 2019 ft²	Mar. 26, 2019 ft²	Mar. 25, 2019 ft²	Jan. 01, 2019 USD ($)	Mar. 31, 2018 ft²
Lessee, Lease, Description [Line Items]
Operating lease cost		$ 1,600			$ 2,900
Operating cash outflow from operating leases		1,200			2,100
Operating lease right-of-use assets		37,744			37,744
Operating lease liabilities		39,282			39,282
Increase in operating lease right-of-use assets		12,400
Increase in operating lease liability		12,400
Future minimum lease payments		53,841			53,841
Security deposit					$ 896	$ 0
Minimum
Lessee, Lease, Description [Line Items]
Lease term					1 year
Maximum
Lessee, Lease, Description [Line Items]
Lease term					11 years
Indianapolis, Indiana
Lessee, Lease, Description [Line Items]
Increase in operating lease liability		10,800
Office space, square feet \| ft²								81,515
Future minimum lease payments		17,800			$ 17,800
Office space sublease, square feet \| ft²								56,276
Number of office suites \| suite								2
Leasehold improvements								$ 1,900
Gold River, California
Lessee, Lease, Description [Line Items]
Increase in operating lease, liability, office expansion		1,100
Operating lease liability, lease extension		800
Office space, square feet \| ft²									63,206	44,738
Future minimum lease payments		3,700			3,700
Number of extension periods \| periods									1
Extension term									5 years
Salt Lake City, Utah
Lessee, Lease, Description [Line Items]
Increase in operating lease liability			$ 3,500
Office space, square feet \| ft²											41,813	28,915
Future minimum lease payments		7,100			7,100
Operating lease, term											84 months
Santa Clara, California
Lessee, Lease, Description [Line Items]
Office space, square feet \| ft²	32,492
Future minimum lease payments		16,900			16,900
Operating lease, term	123 months
Austin, Texas
Lessee, Lease, Description [Line Items]
Office space, square feet \| ft²														26,878
Future minimum lease payments		4,300			4,300
Operating lease, term														90 months
Mountain View, California
Lessee, Lease, Description [Line Items]
Office space, square feet \| ft²				18,272
Future minimum lease payments		$ 3,100			3,100
Standby Letters of Credit \| Santa Clara, California
Lessee, Lease, Description [Line Items]
Credit facility	$ 1,500
Standby Letters of Credit \| Austin, Texas
Lessee, Lease, Description [Line Items]
Credit facility						$ 600
Standby Letters of Credit \| Mountain View, California
Lessee, Lease, Description [Line Items]
Credit facility				$ 600
$1.5 Million Standby Letter of Credit \| Standby Letters of Credit \| Santa Clara, California
Lessee, Lease, Description [Line Items]
Incremental reduction rate	20.00%
Reduction of standby letter of credit amount, percentage, sixth year	8.00%
$.6 Million Standby Letter of Credit \| Standby Letters of Credit \| Mountain View, California
Lessee, Lease, Description [Line Items]
Incremental reduction rate				25.00%
ASU 2016-02
Lessee, Lease, Description [Line Items]
Operating lease right-of-use assets													$ 23,300
Operating lease liabilities													$ 24,600
Acquired right-of-use asset					$ 40,500
Scenario, Forecast \| Indianapolis, Indiana
Lessee, Lease, Description [Line Items]
Office space, square feet \| ft²							25,239

Leases - Supplemental Balance Sheet Information (Details) $ in Thousands	Jun. 30, 2019 USD ($)
Leases [Abstract]
Operating lease right-of-use assets	$ 37,744
Operating lease liabilities	$ 39,282
Weighted-average remaining lease term of operating leases (in years)	8 years
Weighted-average discount rate of operating leases	5.80%

Leases - Maturities of Lease Liabilities (Details) $ in Thousands	Jun. 30, 2019 USD ($)
Operating leases
Remainder of 2019	$ 3,029
2020	6,862
2021	6,236
2022	4,964
2023	5,792
Thereafter	26,958
Total lease payments	53,841
Less imputed interest	(14,559)
Operating lease liabilities	$ 39,282

Debt (Details) - USD ($)		6 Months Ended
Debt (Details) - USD ($)	Sep. 17, 2018	Jun. 30, 2019
Revolving Credit Facility
Debt Instrument [Line Items]
Borrowing capacity	$ 40,000,000
Commitment fee percentage	0.50%
Facility fee percentage	1.75%
Maximum borrowing capacity	$ 40,000,000
Covenant, minimum cash and cash equivalents	6,000,000
Debt issuance costs	1,200,000	$ 900,000
Borrowings under line of credit		$ 0
Letter of Credit
Debt Instrument [Line Items]
Borrowing capacity	$ 5,000,000
Eligible Commissions Receivables, Preceding Three Months \| Revolving Credit Facility
Debt Instrument [Line Items]
Borrowing base percentage		80.00%
Eligible Commissions Receivables, Succeeding Three Months \| Revolving Credit Facility
Debt Instrument [Line Items]
Borrowing base percentage		80.00%
Eligible Commissions Receivables, Succeeding Six Months \| Revolving Credit Facility
Debt Instrument [Line Items]
Borrowing base percentage		50.00%

Public Offering of Common Stock (Details) - USD ($) $ / shares in Units, $ in Millions	1 Months Ended	3 Months Ended
	Jan. 31, 2019	Mar. 31, 2019	Jan. 22, 2019
Subsidiary, Sale of Stock [Line Items]
Sale of stock, shares issued (in shares)	2,760,000
Sale of stock, price per share (in dollars per share)			$ 48.50
Net proceeds from sale of stock		$ 126.1
Over-Allotment Option
Subsidiary, Sale of Stock [Line Items]
Sale of stock, shares issued (in shares)	360,000

Fair Value Measurements - Summary of Financial Assets (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured and recorded at fair value	$ 103,603	$ 323
Total liabilities measured and recorded at fair value	33,700	40,000
Carrying Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured and recorded at fair value	103,603	323
Total liabilities measured and recorded at fair value	33,700	40,000
Fair Value \| Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured and recorded at fair value	103,603	323
Total liabilities measured and recorded at fair value	0	0
Fair Value \| Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured and recorded at fair value	0	0
Total liabilities measured and recorded at fair value	33,700	40,000
Money market funds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured and recorded at fair value	103,603	323
Money market funds \| Carrying Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured and recorded at fair value	103,603	323
Money market funds \| Fair Value \| Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured and recorded at fair value	103,603	323
Money market funds \| Fair Value \| Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured and recorded at fair value	0	0
Earnout liability—current
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured and recorded at fair value	33,700	20,730
Earnout liability—current \| Carrying Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured and recorded at fair value	33,700	20,730
Earnout liability—current \| Fair Value \| Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured and recorded at fair value	0	0
Earnout liability—current \| Fair Value \| Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured and recorded at fair value	33,700	20,730
Earnout liability—non-current
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured and recorded at fair value	0	19,270
Earnout liability—non-current \| Carrying Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured and recorded at fair value	0	19,270
Earnout liability—non-current \| Fair Value \| Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured and recorded at fair value	0	0
Earnout liability—non-current \| Fair Value \| Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured and recorded at fair value	$ 0	$ 19,270