eHealth, Inc.

Good morning, everyone, and welcome to eHealth, Inc.' 's conference call to discuss the company's fourth quarter and fiscal year 2021 financial results. At this time, all participants have been placed in a listen-only mode. The floor will open for your questions following the presentation. It is now my pleasure to turn the floor over to Eli Newbrun-Mintz, Investor Relations Manager.

Please go ahead.

Good morning, and thank you all for joining us today, either by phone or by webcast, for a discussion about eHealth, Inc.' 's fourth quarter and fiscal year 2021 financial results. On the call this morning, we have Fran Soysman, eHealth's Chief Executive Officer, and Christine Janowski, eHealth's Chief Financial Officer. After management completes its remarks, we will open the line for questions. As a reminder, today's conference call is being recorded and webcast from the investor relations section of our website. A replay of the call will be available on our website following the call. We will be making forward-looking statements on this call that include statements regarding future events, beliefs, and expectations, including statements relating to our expectations regarding our Medicare business, including Medicare enrollments, consumer demand, our competitive advantage, and market opportunities. Our long-term strategy and financial goals, including our multi-year transformative cost elimination and reduction program. Our ability to increase agent productivity and improve customer satisfaction, retention, and other quality metrics. Our expectations regarding our online enrollments, member acquisition costs, and demand generation strategy. Our expectations regarding our individual and family business and growth opportunities. our expectations regarding our financial performance, including the profitability of our business, cash flows, conversion rates, customer retention, seasonality, lifetime values, member estimates, and fixed and operating expenses, and our full year 2022 financial guidance. Forward-looking statements on this call represent e-health's views as of today. You should not rely on these statements as representing our views in the future. We undertake no obligation or duty to update information contained in these forward-looking statements, whether as a result of new information, future events, or otherwise. Forward-looking statements are subject to risks and uncertainties that could cause actual results to differ materially from those projected in our forward-looking statements. We describe these and other risks and uncertainties in our annual report on Form 10-K and quarterly reports on Form 10-Q filed with the Securities and Exchange Commission. which you may access through the SEC website or from the investor relations section of our website. We will be presenting certain financial measures on this call that are considered non-GAAP under SEC Regulation G. For reconciliation of each non-GAAP financial measure to the most directly comparable GAAP financial measure, please refer to the information included in our press release and in our SEC filings, which can be found in the About Us section of our corporate website under the heading Investor Relations. At this point, I will turn the call over to Franz Weissen.