{"url_path":"/sec/goco/10-q/2026/item-1a","section_key":"item-1a","section_title":"Item 1A RISK FACTORS.","topic":"sec","document":{"doc_type":"10-Q","doc_date":"2026-05-18","source_url":"https://www.sec.gov/Archives/edgar/data/1808220/0001628280-26-035953-index.html","accession_number":"0001628280-26-035953","cik":"0001808220","ticker":"GOCO","issuer_name":"GoHealth, Inc.","edgar_url":"https://www.sec.gov/Archives/edgar/data/1808220/0001628280-26-035953-index.html","primary_entity_key":"0001808220","primary_entity_name":"GoHealth, Inc."},"word_count":490,"has_tables":true,"body_markdown":"ITEM 1A. RISK FACTORS.\n\nWe refer you to our 2025 Annual Report on Form 10-K for a discussion of the risk factors that affect our business and financial results. Except as discussed below, there have been no material changes in our risk factors from those disclosed in our 2025 Annual Report on Form 10-K.\n\nOur liquidity position raises substantial doubt about our ability to continue as a going concern.\n\nUnder the Superpriority Credit Agreement and Amendment No. 14 to our existing term loan (as defined and described further in Note 3, “Long-Term Debt” to the Condensed Consolidated Financial Statements in this Quarterly Report on Form 10-Q), we are required to meet certain financial covenants, including a minimum liquidity covenant, and make scheduled principal and interest payments. Our current financial projections indicate that, based on our current business plan, it is probable that we will be unable to maintain compliance with our liquidity covenant within the twelve months after the Condensed Consolidated Financial Statements included in this Quarterly Report on Form 10-Q are issued, unless the mitigating plans described below are implemented successfully. In the event we are unable to meet our liquidity financial covenant or make scheduled principal and interest payments, the Company’s lenders may not waive compliance and could elect to declare an event of default under the Superpriority Credit Agreement and Amendment No. 14 and accelerate the repayment of the obligations thereunder. We do not expect we would have sufficient liquidity to repay our debt obligations if they are accelerated. As a result, our lenders could seek to exercise rights and remedies available to them, including enforcing against the collateral securing these debt obligations.\n\nWe are engaged in ongoing discussions with our lenders and other stakeholders regarding strategic alternatives to address our capital structure and liquidity position. Such alternatives may involve a change of control or other restructuring of the Company. In addition, management has implemented and continues to implement various operational initiatives that include further cost savings measures. The outcome of our discussions with our lenders and other stakeholders is uncertain and there can be no assurance that we will be successful in implementing our operational initiatives. In addition, the ongoing discussions with our lenders and other stakeholders may be adversely affected by any default under, or acceleration of, our debt obligations. In such event, as described above, our lenders could seek to exercise rights and remedies available to them. Because of the uncertainty of (i) successfully completing operational initiatives to comply with the minimum liquidity covenant and (ii) the outcome of the discussions with our lenders and other stakeholders, management has concluded there is substantial doubt about our ability to continue as a going concern within the next twelve months.\n\nOur Condensed Consolidated Financial Statements do not include any adjustments to the carrying amounts and classification of assets, liabilities, and reported expenses that may be necessary if we were unable to continue as a going concern."}