GoHealth, Inc. operates as a health insurance marketplace and Medicare-focused digital health company in the United States. The company operates a technology platform that leverages machine-learning algorithms of insurance purchasing behavior to reimagine the process of matching a health plan for a consumer's specific needs. It also provides Medicare plans, including Medicare advantage, Medicare supplement, prescription drug plans, and special …
Full GOCO analysis →
Competitive advantage assessment
Key risks
Volatile Underwriting ResultsUnderwriting stability is low (score 0.05), indicating significant exposure to loss cycle or catastrophe volatility.
Below-Peer Float ReturnsFloat return signal is weak (score 0.17), indicating below-peer investment yields limiting overall profitability.
The dashed ring is the peer median. Defense scores are percentile ranks
against peers, so 50 is roughly the typical company in this group.
Upgrade to unlock the signals and evidence behind each defense.
Premium access
Unlock full defense analysis
Get key signals, strengths, and risks for every moat dimension.
GoHealth, Inc. ranks #18 of 21
scored companies in Insurance Brokers by moat score — the top 86%.
The widest moat in the group is Brown & Brown, Inc. (BRO)
at 82/100.
Moat scores for companies ranked near GOCO in Insurance Brokers
How GOCO scores on the Insurance & Reinsurance defenses
Underwriting Discipline
Score 26
· 25% of the moat score
Underwriting discipline is the core insurance moat, and it consists mostly of the willingness to lose business.
Float Investment Quality
Score 24
· 20% of the moat score
Float is the money an insurer holds between collecting premiums and paying claims — capital it invests but does not own.
Pricing Power
Score 34
· 18% of the moat score
For an insurer, pricing power is the ability to push rate ahead of claims inflation and keep the policyholders anyway.
Capital Strength & Solvency
Score 23
· 17% of the moat score
Capital is what lets an insurer credibly promise to pay a claim that has not happened yet, and it is scrutinised by regulators and rating agencies alike.
Operational Efficiency
Score 16
· 12% of the moat score
The expense ratio — what it costs to acquire and administer a policy — is the half of the combined ratio management fully controls.
Scale & Diversification
Score 22
· 8% of the moat score
Diversification is a real economic advantage in insurance rather than a portfolio preference: risks spread across perils, geographies and lines are less likely to arrive at once, so the same capital supports more premium.
GoHealth, Inc. (GOCO) scores 25 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as weak. It ranks #18 of 21 scored companies in Insurance Brokers, the top 86%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 20 companies in Insurance Brokers. Its strongest defense is Pricing Power (34/100) and its weakest is Operational Efficiency (16/100).
How does GoHealth, Inc. compare with other Insurance Brokers companies?
GoHealth, Inc. ranks #18 of 21 scored companies in Insurance Brokers by moat score. The widest moat in Insurance Brokers is Brown & Brown, Inc. (BRO) at 82/100. The companies ranked closest are AIX Inc. (AIFU) at 27 just above it and Reliance Global Group, Inc. (RELI) at 21 just below it.
How is the moat score calculated?
Each company is scored with an industry-specific template — Insurance & Reinsurance in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 20 companies in Insurance Brokers. The defenses are then weighted to produce the overall score out of 100.
Why is GoHealth, Inc. scored with the Insurance & Reinsurance template?
An insurer is paid before it knows what its product cost, and invests the money in the meantime. Profit therefore comes from two sources that must both work: pricing risk better than rivals, and earning a return on the float those premiums create. The Insurance template scores that pair, along with the capital that lets a company survive the year in which the losses arrive together.
Which competitive defenses are measured for GoHealth, Inc.?
The Insurance & Reinsurance template measures 6 defenses, and GOCO scores: Underwriting Discipline (26), Float Investment Quality (24), Pricing Power (34), Capital Strength & Solvency (23), Operational Efficiency (16), Scale & Diversification (22). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.
We value your privacy
We use cookies to enhance your browsing experience, analyze site traffic, and personalize content. By clicking 'Accept All', you consent to our use of cookies.
Read our cookie policy
Cookie Preferences
Manage your cookie preferences. Essential cookies are always enabled.