eHealth, Inc.

Good afternoon, everyone, and welcome to eHealth, Inc.' 's conference call to discuss the company's third quarter 2022 financial results. At this time, all participants have been placed in 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, Senior Investor Relations Manager.

Please go ahead.

Good afternoon and thank you all for joining eHealth Inc's third quarter 2022 financial results call. Joining me today are Fran Soisman, Chief Executive Officer, and Christine Janofsky, Chief Financial Officer. After management's prepared remarks, we will open the lines 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 the Medicare market and individual and family plan market, including current market and enrollment trends, consumer demand, our competitive advantage and market opportunities, our investment and enrollment quality initiatives, our omnichannel capabilities, and call center operations, and expected impact of these investments on customer conversion, customer retention, and other quality metrics. Our expectations regarding our marketing and member acquisition strategies and sales channels. Our expectations regarding our business strategy, operating plan, and financial performance, including the profitability of our business, cost savings, cash flows, conversion rates, customer retention, lifetime values, acquisition costs, member estimates, and fixed and operating expenses, and our full year 2022 financial guidance. Forward-looking statements on this call represent eHealth'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 earnings release, annual report on Form 10-K, and quarterly reports on Form 10-Q filed with the SEC, which you may access through the SEC website or from the investor relations section of our website. We will also be presenting certain non-GAAP financial measures on this call. 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 you may access from the investor relations section of our website. I will now turn the call over to Fran Soisman.