SelectQuote vs GoHealth vs eHealth: Medicare Brokers Compared

selectquote vs gohealth medicare is one of the most common comparisons seniors make during enrollment season. These are not insurance carriers. They are Medicare brokers. Each one connects you with plans from major insurers like Aetna, Humana, UnitedHealthcare, and Cigna. However, they differ in technology, enrollment experience, and carrier reach.

SelectQuote has been in the insurance business since 1985. GoHealth launched in 2001. eHealth pioneered the online health insurance marketplace in 1997. All three earned A+ ratings from the Better Business Bureau. However, their customer satisfaction scores tell a different story. Choosing the right broker matters because it determines which plans you see and how much guidance you receive.

Selectquote Vs Gohealth Medicare: Quick Comparison

The selectquote vs gohealth medicare decision often comes down to how you prefer to shop. SelectQuote is a phone-first broker. You call in, speak with a licensed agent, and get a recommendation. GoHealth blends agent calls with its PlanFit machine learning tool. eHealth offers the most self-service options. You can compare plans side by side online without speaking to anyone. All three services are free to consumers.

In most cases, the broker you choose will not change your premium. Insurance carriers set the rates. However, each broker partners with different carriers. GoHealth claims over 300 partnerships. eHealth works with 170 to 200 carriers. SelectQuote partners with about 50. A larger carrier network typically means more plan options for your zip code.

Medicare Plan Options: SelectQuote vs GoHealth

When comparing selectquote vs gohealth medicare plan availability, all three brokers offer the major coverage types. These include Medicare Advantage, Medigap supplement plans, standalone Part D drug plans, and Special Needs Plans. However, the depth of options varies. SelectQuote carries HMO, PPO, and Private Fee-for-Service Medicare Advantage plans. GoHealth and eHealth focus primarily on HMO and PPO options. For Medigap, all three can quote popular supplement letters like Plan G and Plan N.

Special Needs Plans deserve attention in the selectquote vs gohealth medicare comparison. SelectQuote offers all three SNP types: Chronic Condition, Dual Eligible, and Institutional. GoHealth and eHealth offer Chronic Condition and Dual Eligible SNPs. If you qualify for both Medicare and Medicaid, a D-SNP could save you significant money. For example, many D-SNPs have zero-dollar premiums and low copays. You can verify plan availability in your county through the Medicare Plan Finder at medicare.gov.

On the other hand, no single broker shows every available plan. Each broker only displays plans from its partner carriers. Typically, GoHealth’s larger network means more choices. However, SelectQuote’s curated approach may simplify decision-making. For a complete view of every plan in your area, always cross-reference with the official CMS plan performance data.

Rates and Enrollment: SelectQuote vs GoHealth

The selectquote vs gohealth medicare rate comparison is straightforward. Neither broker sets prices. Insurance carriers determine premiums based on your age, location, and tobacco use. You will pay the same premium whether you enroll through SelectQuote, GoHealth, eHealth, or directly with the carrier. The brokers earn commissions from the insurance companies. This means their service is free to you.

However, enrollment experiences differ significantly. SelectQuote uses a phone-first model. You call their number or submit an online form. A licensed agent calls you back within minutes. The entire quote process takes about 15 minutes. GoHealth combines phone agents with its proprietary PlanFit technology. This machine learning tool analyzes your healthcare needs and recommends the top five plans. eHealth provides the most independent experience. You can browse, compare, and enroll entirely online without a phone call.

Rate stability depends on the underlying carrier, not the broker. For example, a Humana Medicare Advantage plan costs the same through all three brokers. Typically, Medicare Advantage premiums change annually based on CMS rate announcements. For 2026, CMS approved a 4.33 percent net increase in Medicare Advantage payments. This may help stabilize premiums. The Part D out-of-pocket cap drops to $2,000 in 2026 under the Inflation Reduction Act. Many Medicare beneficiaries also carry a life insurance policy to protect their family, and you can compare life insurance rates at Life Insure Guide alongside your Medicare decisions.

Additional Benefits Compared

Medicare Advantage plans through these brokers often include benefits that Original Medicare does not cover. The selectquote vs gohealth medicare comparison matters here because carrier partnerships affect which enhanced benefits you can access. However, the benefits come from the insurance carrier, not the broker itself.

For 2026, some Medicare Advantage plans are reducing supplemental benefits. CMS data shows carriers are cutting grocery allowances, transportation rides, and OTC credits in certain markets. On the other hand, dental and vision coverage remains standard on most plans. When evaluating selectquote vs gohealth medicare options, ask your agent specifically which benefits are included in each plan. Do not assume every plan offers the same extras. Retirees should also review their homeowners coverage alongside Medicare choices, and you can compare home insurance rates at Home Insure Guide to make sure your property is properly protected.

GoHealth’s PlanFit CheckUp tool stands out for post-enrollment support. It regularly reassesses whether your plan still fits your needs. eHealth offers its AI voice agent Alice for ongoing questions and its AppTracker for enrollment status. SelectQuote relies on traditional agent follow-up after enrollment. Typically, post-enrollment support matters most during the Annual Enrollment Period when you can switch plans.

Financial Strength and Stability

Financial stability is critical in the selectquote vs gohealth medicare decision. These brokers handle your enrollment, so you want them to remain operational. SelectQuote reported $537 million in quarterly revenue for Q2 of fiscal year 2026. The company is profitable with $69.3 million in net income. eHealth generated $540 to $560 million in full-year 2025 revenue and grew adjusted EBITDA by 40 percent. Both companies appear financially stable.

GoHealth’s financial picture is different. The company reported a 54.7 percent revenue decline to $361.8 million in 2025. It posted a net loss of $497.8 million. GoHealth carries $636.7 million in long-term debt. The company amended its credit agreement to waive principal payments through 2026. However, GoHealth has secured new financing and is pivoting toward higher-quality enrollments. Its policy submissions dropped 47.4 percent as it deliberately reduced volume.

All three brokers face a shared legal challenge. In May 2025, the U.S. Department of Justice filed False Claims Act complaints against SelectQuote, GoHealth, and eHealth. The DOJ alleges these brokers received illegal kickbacks from Aetna, Humana, and Anthem between 2016 and 2021. The government claims the brokers steered beneficiaries toward plans paying the highest commissions. All three companies deny the allegations. This selectquote vs gohealth medicare legal situation remains unresolved. The outcome could affect how all Medicare brokers operate in the future.

Which Medicare Broker Should You Choose?

Choose SelectQuote if: You prefer speaking with a live agent from start to finish. You want a curated selection of plans from 50-plus top-rated carriers rather than an overwhelming number of options. You value a company with a long track record, founded in 1985. You want a quick 15-minute phone consultation to find your plan.

Choose GoHealth if: You want AI-powered plan matching through the PlanFit recommendation engine. You prefer access to the largest carrier network with over 300 partners. You need a Special Needs Plan and want technology that monitors your plan fit over time. You are comfortable with a company that is restructuring financially but investing heavily in technology.

Choose eHealth if: You prefer to research and compare plans online at your own pace. You want the most self-service-friendly experience with side-by-side plan comparisons. You value a company with strong financial performance and 25-plus years in the online marketplace. You want AI tools like Alice for ongoing support without calling an agent.

The selectquote vs gohealth medicare comparison ultimately depends on your shopping style. Phone-first buyers should lean toward SelectQuote. Tech-savvy seniors who want AI recommendations should consider GoHealth. Independent researchers will prefer eHealth’s online tools. In most cases, we recommend starting with eHealth’s online comparison tool. Browse plans independently. Then call SelectQuote or GoHealth if you want agent guidance on your top choices. This approach gives you both information and personal advice.

Regardless of which broker you use, always verify your final plan choice on medicare.gov Plan Finder. This ensures you see every available option in your area. No single broker shows all plans. The best selectquote vs gohealth medicare strategy is to use multiple resources before making your enrollment decision.

Frequently Asked Questions

Is there a cost difference between SelectQuote, GoHealth, and eHealth for Medicare plans?

No. All three brokers are free to use. They earn commissions from insurance carriers. However, your premium stays the same whether you enroll through a broker or directly with the carrier. In most cases, using a broker simply adds a layer of guidance at no extra cost.

Are SelectQuote, GoHealth, and eHealth legitimate Medicare brokers?

Yes. All three are licensed, publicly traded companies with A+ BBB ratings. However, the Department of Justice filed False Claims Act complaints against all three in May 2025. The cases allege improper kickback arrangements with certain insurers. Typically, these legal proceedings take years to resolve. All three companies continue to operate normally and deny the allegations.

Can I switch brokers after enrolling in a Medicare plan through SelectQuote or GoHealth?

Yes. Your broker relationship does not lock you into a plan. For example, you can enroll through GoHealth this year and use eHealth next year. During the Annual Enrollment Period from October 15 to December 7, you can change your Medicare Advantage or Part D plan through any broker. On the other hand, your selectquote vs gohealth medicare choice may affect the ongoing support you receive between enrollment periods.

Compare More Medicare Insurance Companies

Looking for more Medicare carrier reviews, plan comparisons, and enrollment guides? Browse our complete library of Medicare resources.

Official Sources & Resources

For verified information on Medicare plans, ratings, and enrollment:

• Medicare.gov (Official): medicare.gov
• CMS.gov (Centers for Medicare & Medicaid): cms.gov
• AM Best (Financial Strength Ratings): ambest.com
• NAIC (Complaint Ratios): naic.org
• State Health Insurance Assistance Program (SHIP): shiphelp.org
• Kaiser Family Foundation (KFF): kff.org

Content last reviewed April 2026. If you notice any outdated information, please contact us.

Related Guides

• Browse All Medicare Guides
• More Company Reviews
• Plan Comparisons
• Complete Medigap Plans Guide
• Medicare Advantage vs Medigap
• Understanding Medicare Costs