Health Insurance Innovations Inc, HIIQ Investor Presentation released on March 2019. This Health Insurance Innovations investor relations slideshow covers the following topics: -HIIQ Solution -HIIQ Partners -HIIQ Market Opportunity -HIIQ New Initiatives -HIIIQ Community Involvement -HIIQ Financial Results -HIIQ Solid Growth Trajectory and much more.

1. Investor Presentation
March 2019

2. Certain statements included herein, including those that express
management’s expectations or estimates of Health Insurance
Innovations, Inc.’s (“HIIQ”) future performance, constitute “forward-
looking statements” within the meaning of applicable securities laws.
These statements may include words such as “may,” “might,” “will,”
“should,” “expects,” “plans,” “anticipates,” “believes,” “estimates,”
“predicts,” “potential” or “continue,” the negative of these terms and other
comparable terminology. Forward-looking statements are necessarily
based upon a number of estimates and assumptions that, while
considered reasonable by management when made, are inherently
subject to significant business, economic and competitive uncertainties
and contingencies. We caution that such forward-looking statements
involve known and unknown risks, uncertainties and other risks that may
cause our actual financial results, performance, or achievements to be
materially different from our estimated future results, performance or
achievements expressed or implied by those forward-looking
statements. Numerous factors could cause actual results to differ
materially from those in the forward-looking statements, including
without limitation, our ability to maintain relationships and develop new
relationships with health insurance carriers and distributors and the risk
of customer attrition; our ability to retain our members, the demand for
our products, the amount of commissions paid to us or changes in health
insurance plan pricing practices, competition and our ability to compete
successfully; changes and developments in the United States health
insurance system and laws, the ability to maintain and enhance our
name recognition; our ability to build the necessary infrastructure and
Disclosure
processes to maintain effective controls over financial reporting; our
ability to identify and complete acquisitions, manage our growth and
integrate acquisitions, including the risk that the HealthPocket acquisition
will not be integrated successfully; potential liability for the use of
incorrect or incomplete data; interruption of our operations due to outside
sources; maintaining our intellectual property rights and litigation
involving intellectual property rights; our ability to obtain, use or
successfully integrate third-party licensed technology; compliance with
existing laws, regulations and industry initiatives and future change in
laws or regulations in the healthcare industry; breach of our security by
third parties; our dependence on the expertise of our key personnel; and
potential write-offs of goodwill or other intangible assets. This list is not
exhaustive of the factors that may affect any of our forward-looking
statements. These and other risk factors that could cause actual results
to differ materially from those expressed or implied in our forward-
looking statements are discussed in HIIQ’s most recent Annual Report
on Form 10-K filed with the Securities and Exchange Commission (SEC)
as well as other documents that may be filed by HIIQ from time to time
with the Securities and Exchange Commission, which are available at
www.sec.gov. Investors are cautioned not to put undue reliance on
forward-looking statements. All subsequent written and oral forward-
looking statements attributable to HIIQ or persons acting on our behalf
are expressly qualified in their entirety by this notice. We disclaim any
intent or obligation to update publicly these forward-looking statements,
whether as a result of new information, future events or otherwise.
Note: This presentation also contains certain non-GAAP financial measures. The non-GAAP financial measures used in this presentation are reconciled in HIIQ’s Quarterly Report on Form 10-Q or Annual Report on
Form 10-K filed with the SEC unless otherwise stated. These non-GAAP financial measures should not be considered an alternative to the GAAP financial measures.
2

3. 3
HIIQ Solution
Providing Access to Affordable Individual Health Insurance
• Value-Added Insurance / Discount
Benefit Products:
• Life Insurance
• Dental
• Telemedicine
• Vision
• Critical Illness
• Deductible and Gap
• Pharmacy Benefit Cards
• Guaranteed Acceptance or
Medically Underwritten
• Event-Based Fixed
Indemnity
• Robust Coverage Options
• Affordable
Short-Term MedicalHealth Benefit Plans Supplemental
• Medically Underwritten
• Most Similar to Major Medical
• Limited Duration
• Pre-existing conditions
generally not covered
• Affordable
Health Benefit
Plans
Life /
Supplemental
/ Discount
Benefit Plans
Short-Term
Medical

4. 4
Affordable Health
Care Solutions
Innovative, Customized,
Data-driven Products
Key partnerships with A
to A++ Carriers
(A.M. Best Ratings)
HIIQ Partners with Best-In-Class Carriers and Benefit Providers

5. 5
Proprietary Technology
Plug-and-play technology backbone allows for
rapid, scalable growth
Integrates Carriers, Distributors and Consumers on Proprietary Technology Platform
Focused on Outstanding Consumer Experience!

6. 6
Extensive and Growing Distribution Network
Over 100 Call Centers
E-Commerce Partners
Licensed Agent Call Centers
• Unlimited Capacity for Agents
• 15,000+ Agents Certified in Platform
• 5,000+ Active Agents at Any Time
E-Commerce
• Focus on e-commerce
• Unlimited capacity for growth

7. Compliance & Customer Experience
By the Numbers
7

8. • Next Gen Platform
• Improve Customer
Experience
• Manage Benefits and
Purchase Products
8

9. MyBenefitsKeeper
Built for Simplicity
9
Purchase products from mobile device
View and download documents
Get notifications to reapply
Find and call a doctor from the app
Change billing or view history
Add ID cards to digital wallet
Chat with customer service
Access telemedicine
Find a doctor nearby
And much more…

10. 10CDC: 2016 Data
The Uninsured Population
28.2 Million < 65 Individuals
HIIQ Market Opportunity
Uninsured Population Represents Potential Opportunity to Expand Markets for All of
our Products

11. 11
HIIQ Market Opportunity
Expanding Non-ACA Market Penetration Remains Very Large Opportunity
1 CDC (2016 Data)

12. STM 12 Month Rule Change
• Increased duration of STM policies from 3 Months to 12 Months
• Policies can be renewed or extended for up to 36 months
• Subject to State Limitations
Individual Mandate Penalty is Now Zero
• January 1, 2019 Penalty went to Zero
• Removes impediment to purchase for some consumers
New Product Opportunities
• Re-entering ACA Market
• Life Insurance expected to grow from $60 million: Target is $100 million in 2019
• Over 65 Insurance Opportunity – 10,000 people aging into Medicare each day
• Spanish Language Products – Providing insurance into large untapped market
New Distributors, Partners, and Carriers
• e-commerce Focus
Closed Multi-State
• Confirms our continued focus on compliant distribution
• Removed partnership barrier
12
HIIQ Market Opportunity
Near-Term Catalysts for Growth

13. New Initiatives
Growing Life Insurance Market
13
Life Insurance Market
• Increasing focus on our Life Insurance
Market. Adding more robust products to
our portfolio.
• Utilize existing Distribution Channels
• e-commerce focus
• MBK allows for greater interacting with
consumers, enhancing persistency

14. Re-entering the 65+ market
• Re-entered 65+ Market in Q1 2019
• Building out Infrastructure
• e-commerce Focused
• Easily adoptable to our Technology Platform
HIIQ appealing to a broader demographic, TAM
expected to increase from 57 Million in 2016 to
64 million in 2020. (1)
Demographic shift implies 10,000 people age
into Medicare each day .
New Initiatives
Over 65 Market – Medicare and Medicare Sup
14(1) Source: 2016 Medicare Trustees Report and 2016 CSG Actuarial 5th Annual MS Market Projection

15. • Population growth of Spanish speaking
Americans has outpaced growth of
language resources
• More than 25 million people have limited
English proficiency in the U.S., most of
which are Spanish speakers
– 40% - 50% of this group is
uninsured, about 10 million people2
• Spanish speakers tend to live in urban
areas
• Spanish speakers are generally
underserved and underinsured
New Initiatives
Spanish Speaking Initiative
25M
More than
people in the US
have limited English
proficiency
1Migration Policy Institute (2013)
2Kaiser Family Foundation (2012)
15
1

16. Spanish speakers’ barriers to
accessing health insurance:
• Lack of language services
• Limited affordability
• Few incumbent players innovating in
this space
New Initiatives
Our Products Meet Spanish Speakers Needs
Underserved Spanish speaking
e-commerce traffic
• 250,000 organic searches per month for health
insurance terms by Spanish speakers
• Limited competition
• Low cost of acquisition - Spanish leads tend to
be more cost effective than English leads
We meet their needs with…
• Affordable coverage for accidents and
illness
• Citizenship not required – Members need
only reside in the U.S., no SSN necessary.
• Simplified issuance
16
1
1 Map represents concentration of the Hispanic or Latino population in the U.S. per U.S. Census Bureau data

17. 17
Significant Growth Opportunities
• Focus on higher lifetime value and longer duration sales
• Conversions increased considerably with recent site improvements
• Average premium increased with enhanced cross-sell experience
• Launched 36-month plans in Q42018 with strong take rate
• Integration improved close ratios and member re-applies
• Stronger focus on SEO driving organic, incremental traffic to Agile
2019 expectations are high and recent traction is promising
AgileHealthInsurance.com

18. 18
• Lifetime value (LTV) of customers is continued focus
• Measures expected months a consumer will remain on policy
• Constrained – potential for upside
• Q4 2018 expected duration units up 6.8% year-over-year
• Third-party distribution expected duration units are up 19% in Q4 2018 and
23% for 2018
• Total e-commerce expected duration units are up 68% in Q4 2018
Q4 2018: Expected Duration Units
Introducing New Metrics

19. • Adopted ASC 606 in Q4, retroactive for 2018
• ASC 606 brings forward the expected lifetime value of the Sales/Enrollment
Performance Obligation (95% of revenue)
• No change in Cash Flow
Revenue by Performance Obligation – Illustration Example
$95 – Sales / Enrollment – point-in-time (95%)
$100
$5 – Member Support – over-time (5%)
12 Month STM Plan – Revenue by month example
• Expected Average Duration – 7.4 months
• Revenue per month – $100
19
Month 1 2 3 4 5 6 7 8 Total
Sales / Enrollment $703 0 0 0 0 0 0 0 $703
Member Support 5 5 5 5 5 5 5 2 $37
Total Revenue $708 $5 $5 $5 $5 $5 $5 $2 $740
% of Total Revenue 96% 1% 1% 1% 1% 1% 1% 0% 100.0%
ASC 606: In Practice

20. At HIIQ, we believe that good health, giving back, and peace of mind are the cornerstones of prosperity. We are fortunate and
grateful for our success. Our foundation is about giving back to the most vulnerable in our local communities.
• Collaborating with communities
• Investing and partners with charity
• Focusing on social determinants of health
• Increased giving to effect meaningful and sustainable change
Our Philosophy & Corporate Responsibility
Our Devotion to Community
20
Recent Hurricane Assistance

21. 21
Financial Results
$ millions except EPS
1 2018 results include the impact of ASC 606
2 Q4 2018 GAAP Diluted Net Income per share includes indemnity and other related legal costs associated with closing the market conduct examination.
3 See reconciliation to GAAP in the Appendix
Metric Q4 2018 1 Q4 2017 FY 2018 1
YoY
Change FY 2017
YoY
Change FY 2016
YoY
Change
Revenue $131.9 $69.5 $351.1 $100.6 $250.5 $66.0 $184.5 $79.8
Adjusted EBITDA 3 $21.6 $10.5 $59.4 $13.5 $45.9 $18.1 $27.8 $21.2
GAAP Diluted Net
Income per share 2 $0.40 $0.30 $0.97 ($0.53) $1.50 $0.93 $0.57 $0.49
Adj. Net Income per
share
$0.98 $0.37 $2.60 0.93 $1.67 $0.55 $1.12 $0.85

22. $104.7
$184.5
$250.5
$351.1
$6.6
$27.8
$45.9 $59.4
$-
$40.0
$80.0
$120.0
$160.0
$200.0
$240.0
$280.0
$320.0
$360.0
Revenue & Adjusted EBITDA Comparison
Track Record of Success With Solid Growth Trajectory
22
2015 2016 2017 20181
Revenue Adj. EBITDA
$ in millions
Revenue Adj. EBITDA Revenue Adj. EBITDA Revenue Adj. EBITDA
1 2018 results include the impact of ASC 606 / See reconciliation to GAAP in the Appendix

23. HIIQ Path to Continued Growth
1. Outstanding Customer Experience
2. Data Driven Product Innovation
3. Expand Compliant Distribution
4. Focus on Scalability & Leverage
5. Drive Recurring Revenue Growth
6. Maximize E-Commerce Opportunity
7. Consumer Awareness
23

24. 24
Appendix

25. 25
Reconciliation of Net Income to EBITDA and Adjusted EBITDA
(unaudited)
($ in thousands)
Reconciliation of Net Income to EBITDA and Adjusted EBITDA
Source: Health Insurance Innovations, Inc. 2018 10-K
Three Months Ended
December 31, Year Ended December 31,
2018 2017 2018 2017
Net income $ 8,293 $ 5,015 $ 18,964 $ 26,491
Interest expense (income) 64 (17) 25 (19)
Depreciation and amortization 1,144 1,086 4,799 4,044
Provision for income taxes 4,935 12,598 10,672 16,818
EBITDA 14,436 18,682 34,460 47,334
Stock-based compensation and related costs 2,112 2,993 12,878 7,890
Transaction costs 37 (16) 321 745
Tax receivable agreement liability adjustment 750 (11,835) 1,471 (11,835)
Indemnity and other related legal costs 4,280 672 6,614 1,557
Severance, restructuring and other 29 — 3,687 248
Adjusted EBITDA $ 21,644 $ 10,496 $ 59,431 $ 45,939

26. 26
Reconciliation of Net Income to Adjusted Net Income per Share
(unaudited)
($ in thousands except per share data)
Reconciliation of Net Income to Adj. Net Income per Share
Source: Health Insurance Innovations, Inc. 2018 10-K
Three Months Ended
December 31, Year Ended December 31,
2018 2017 2018 2017
Net income $ 8,293 $ 5,015 $ 18,964 $ 26,491
Interest expense (income) 64 (17) 25 (19)
Amortization 334 463 1,725 1,965
Provision for income taxes 4,935 12,598 10,672 16,818
Stock-based compensation and related costs 2,112 2,993 12,878 7,890
Transaction costs 37 (16) 321 745
Tax receivable agreement liability adjustment 750 (11,835) 1,471 (11,835)
Indemnity and other related legal costs 4,280 672 6,614 1,557
Severance, restructuring and other charges 29 — 3,687 248
Adjusted pre-tax income 20,834 9,873 56,357 43,860
Pro forma income taxes (5,000) (3,752) (13,526) (16,667)
Adjusted net income $ 15,834 $ 6,121 $ 42,831 $ 27,193
Total weighted average diluted share count 16,136 16,393 16,477 16,322
Adjusted net income per share $ 0.98 $ 0.37 $ 2.60 $ 1.67

27. 27
Reconciliation of Premium Equivalents to Revenues
Reconciliation of Premium Equivalents to Revenues
(Unaudited)
($ in thousands except per share data)
Source: Health Insurance Innovations, Inc. 2018 10-K
Three Months Ended December 31, Year Ended December 31,
2018 2017 2018 2017
Premium equivalents $ 220,288 $ 106,309 $ 558,324 $ 395,552
Less risk premium 86,325 35,335 199,720 138,880
Less amounts earned by third party obligors 2,046 1,484 7,507 6,196
Revenues $ 131,917 $ 69,490 $ 351,097 $ 250,476