Better Health for All

eHealth's core business is facilitating access to health insurance, having connected over 8 million members since 1997.

Its entire business is devoted to enabling health improvement by offering access to over 180 health insurers across 50 states, helping users find plans that include doctors, specialists, and prescriptions, and assisting in finding affordable medications. The company's business model does not generate revenue from products with negative health outcomes. As an online platform for insurance, its products do not have direct safety implications for physical or mental health. eHealth is a free service for users, helping them find affordable plans and medications, and supports ACA provisions that make healthcare more affordable by capping out-of-pocket spending and prohibiting denials for pre-existing conditions. The company advocates for public/private partnerships to help millions find plans within their budgets and supports reducing the Medicare eligibility age to 60. eHealth provides detailed lists of behavioral health benefits for plans in its marketplace, allowing users to compare options side-by-side. The company conducts surveys to understand consumer concerns and preferences in the health insurance market. During COVID-19, some plans offered through eHealth updated mental health benefits to include Telehealth services, telephone support lines, and virtual resources. All ACA-compliant plans offered through eHealth include mental health and substance abuse services as essential health benefits, covering behavioral treatment, substance use disorder treatment, and inpatient services. The company also provides educational content, such as tips for young adults on understanding coverage options and articles explaining the importance of preventive care.

Fair Money & Economic Opportunity

eHealth, Inc. does not offer lending or deposit services to consumers, nor does it generate revenue from high-cost financial products or penalty fees. The company faced a complaint filed by the U.S. Attorney's Office for the District of Massachusetts on May 1, 2025, alleging a violation of the Federal False Claims Act.

eHealth achieved HITRUST i1 certification on October 28, 2024, for its carrier integration platform. The company aligns its Information Security Program with internationally recognized frameworks such as ISO 27001 and 27002, SOC2, NIST Cybersecurity Framework, PCI DSS, and CIS Controls and Benchmarks. eHealth provides customers with general information on application status, ID card delivery, and billing contact information through its AI-powered voice agent, Alice. It also offers features like MatchMonitor to help beneficiaries understand plan changes and Application Tracker for real-time application status. The company uses AI to simplify the Medicare Advantage plan shopping process and offers features like Co-browsing, Agent Chat, and Live Advise to assist with plan selection and enrollment. Its plan recommendation tool curates selections by analyzing customer information and preferences against plan data.

Fair Pay & Worker Respect

Approximately 13.08% of the global workforce is covered by collective bargaining agreements, specifically 249 employees in the China subsidiary where a labor union was established as required by Chinese law, while U.S. employees are not unionized.

The company has pledged to pay equitably for equal work and experience, but no specific pay equity ratio data is provided. Employee engagement, as indicated by an overall rating of 3.0 out of 5 stars from 898 reviews, a 40% recommendation rate to a friend, and a 31% positive business outlook, suggests lukewarm staff morale. Voluntary employee turnover is high, with reviews mentioning turnover around 50-60% for some roles and generally high turnover. The company has faced regulatory scrutiny, including a January 2024 letter from the U.S. Senate Committee on Finance regarding business practices related to lead generation, marketing, and enrollment in Medicare Advantage plans, and a January 2022 subpoena from the U.S. Attorney’s Office for information on arrangements with insurance carriers. Health insurance is part of the core benefits package, but specific coverage rates are not provided beyond being a general offering.

Fair Trade & Ethical Sourcing

eHealth, Inc. operates as an online health insurance exchange, generating revenue from commissions. The company does not procure or trade physical commodities, nor does it have a traditional supply chain that would involve material sourcing or upstream labor practices.

Therefore, KPIs related to fair trade certifications, supplier audits, forced/child labor incidents, supply chain traceability, high-risk materials, and supplier diversity spend are not applicable to its business model. While a Vendor Code of Conduct exists, no quantitative data is provided for the percentage of supplier contracts that include enforceable ethical-sourcing clauses or specific metrics on remediation speed.

Honest & Fair Business

eHealth has a formal whistleblower policy with reporting channels, including an EthicsPoint hotline and website, which emphasizes confidentiality and prohibits retaliation.

However, there is no evidence of independent investigation processes, training frequency, or program effectiveness. The company had one correction of misstatements regarding non-GAAP net income and guidance for 2018 and 2019, which, if considered the only restatement in the past five years, averages to a minor restatement. The board of directors consists of 9 members, with 8 identified as independent as of September 24, 2024, equating to approximately 89% independent directors. The company has an anti-corruption policy that explicitly prohibits bribery, extortion, embezzlement, and facilitation payments, referencing compliance with the FCPA, UK Anti-Bribery Act, and other international conventions. However, the policy's training frequency and effectiveness metrics are not detailed.

No War, No Weapons

The company operates as a health insurance marketplace and is explicitly stated to not be involved in arms manufacturing, defense contracts, or military-related activities.

Its R&D focuses on health insurance technology, with no involvement in dual-use technologies or AI for military purposes. The company does not engage in arms sales, exports, or procurement from conflict zones, and therefore has no need for end-user certificates, conflict divestment policies, or war-risk audits. Lobbying efforts are concentrated on healthcare-related topics, not arms control. The company is not subject to Arms Trade Treaty compliance and has no assets or operations in conflict-affected areas.

Planet-Friendly Business

In 2023, the company's total Scope 1, 2, and 3 greenhouse gas emissions were 21,506 tCO₂e.

Scope 3 emissions constituted 94.4% of this total, with purchased goods and services accounting for 64.8% and employee commuting for 22.7% of Scope 3. The company is actively working to establish Science Based Targets initiative (SBTi)-aligned reduction targets, but these targets are not yet in place or validated. No net-zero target year has been stated. The company's 2023 and 2022 reports do not mention any specific regulatory environmental violations, fines, or compliance issues. The Scope 3 emissions analysis only considered upstream emissions, and no supplier climate impact disclosures are provided. There is no information regarding climate-related stranded asset risks, TCFD alignment, or climate scenario analysis.

Safe & Smart Tech

eHealth maintains HITRUST certification and aligns its information security program with SOC 2, NIST, PCI DSS, and CIS Controls and Benchmarks.

Every employee and contractor receives initial and annual security awareness training, with additional training for developers and privileged users. Quarterly phishing simulations are provided to every person with access to IT systems, followed by personalized tools to improve security behavior, and performance is measured individually and by functional groups. The company encrypts customer data both in transit and at rest. Its customer center enables members to create a secure personal profile and empowers Medicare beneficiaries to control their personal information. Multi-factor authentication and enhanced web application firewall controls are utilized. Regular scans of the company's technical infrastructure and penetration audits are performed to check for vulnerabilities. A System Development Life Cycle (SDLC) framework is used to assess applications and related infrastructure before implementation. The company regularly assesses its compliance with various federal and state privacy and security laws and regulations. Its proprietary recommendation algorithms are carrier-agnostic and designed based on several million customer assistance interactions.

Zero Waste & Sustainable Products

eHealth has transformed its business by digitizing the purchase of health insurance, moving from a paper-intensive process to electronic submissions.

This pioneering shift, being responsible for the first electronic submission of a health insurance application over the Internet, inherently integrates circular design principles by significantly reducing material consumption. However, the company's waste reduction initiatives are limited, with all locations generally using recycled paper when available and taking advantage of recycling opportunities, without specific metrics or comprehensive programs.