[SCHEDULE 13D] GoHealth, Inc. SEC Filing

Rhea-AI Filing Summary

GoHealth, Inc. amended its existing credit agreement (Amendment No. 14) on August 6, 2025 as part of refinancing activity and issued shares of its Class A common stock to lenders and their affiliates as consideration for the amendment. Among those recipients, the Redwood Funds and related reporting entities received an aggregate of 924,244 shares of Class A common stock, which the filing states represents 5.8% of the Class A stock based on 11,222,135 shares outstanding as of August 5, 2025 plus 4,766,219 shares issued on August 6, 2025.

The filing shows the Reporting Persons have shared voting and shared dispositive power over the 924,244 shares and report no sole voting or dispositive power. The issuance to lenders is described solely as consideration for the credit agreement amendment; no other transactions in the past 60 days are reported.

Positive

• Material ownership disclosed: Reporting Persons beneficially own 924,244 Class A shares representing 5.8% of the class.
• Transaction transparency: Shares were issued as explicit consideration for Amendment No. 14 to the issuer's credit agreement tied to refinancing.
• Clear voting/dispositive disclosure: The filing specifies the Reporting Persons' shared voting and dispositive powers.

Negative

• No sole control: Reporting Persons report 0 shares with sole voting power and sole dispositive power, limiting unilateral influence over the shares.

Insights

Financial Analyst

TL;DR: Redwood-linked entities received 924,244 shares (5.8%) issued to lenders under a credit-agreement amendment.

The filing documents a financing-related equity issuance rather than an open-market purchase. The 924,244-share position is material by percent-of-class standards and is disclosed as shared voting and dispositive power, indicating collective influence without sole control. The percentage calculation is explicitly tied to the issuer's reported outstanding share counts as of August 5 and the shares issued on August 6, 2025. No additional transactions in the prior 60 days are disclosed, and no alternative arrangements or agreements concerning the securities are reported beyond the amendment consideration.

Corporate Governance Expert

TL;DR: Reporting Persons hold a >5% passive position via issuance to lenders, with shared rather than sole control.

The Schedule 13D reveals the economic stake arose from a creditor accommodation tied to Amendment No. 14 of the credit agreement. The reporting entities disclose shared voting and dispositive power—they explicitly deny sole control—so governance influence may be limited unless coordinated with other holders. The filing also states no related contracts or understandings beyond the issuance. This is a material ownership disclosure but the governance footprint appears constrained by the lack of sole voting authority.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13D

Under the Securities Exchange Act of 1934

GoHealth, Inc.

(Name of Issuer)

Class A Common Stock, par value $0.0001 per share

(Title of Class of Securities)

38046W204

(CUSIP Number)

Adam Bensley
250 West 55th St., 26th Floor,
New York, NY, 10019
212-970-1400

(Name, Address and Telephone Number of Person Authorized to Receive Notices and Communications)

08/06/2025

(Date of Event Which Requires Filing of This Statement)

If the filing person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of §§ 240.13d-1(e), 240.13d-1(f) or 240.13d-1(g), check the following box.

The information required on the remainder of this cover page shall not be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).

SCHEDULE 13D

CUSIP No. 38046W204

1

Name of reporting person

Redwood Capital Management, LLC

2

Check the appropriate box if a member of a Group (See Instructions)

(a)
(b)

3

SEC use only

4

Source of funds (See Instructions)

AF

5

Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)

6

Citizenship or place of organization

DELAWARE

Number of Shares Beneficially Owned by Each Reporting Person With:

7	Sole Voting Power 0.00
8	Shared Voting Power 924,244.00
9	Sole Dispositive Power 0.00
10	Shared Dispositive Power 924,244.00

11

Aggregate amount beneficially owned by each reporting person

924,244.00

12

Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)

13

Percent of class represented by amount in Row (11)

5.8 %

14

Type of Reporting Person (See Instructions)

IA, OO

SCHEDULE 13D

CUSIP No. 38046W204

1

Name of reporting person

Redwood Capital Management Holdings, LP

2

Check the appropriate box if a member of a Group (See Instructions)

(a)
(b)

3

SEC use only

4

Source of funds (See Instructions)

AF

5

Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)

6

Citizenship or place of organization

DELAWARE

Number of Shares Beneficially Owned by Each Reporting Person With:

7	Sole Voting Power 0.00
8	Shared Voting Power 924,244.00
9	Sole Dispositive Power 0.00
10	Shared Dispositive Power 924,244.00

11

Aggregate amount beneficially owned by each reporting person

924,244.00

12

Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)

13

Percent of class represented by amount in Row (11)

5.8 %

14

Type of Reporting Person (See Instructions)

HC, PN

SCHEDULE 13D

CUSIP No. 38046W204

1

Name of reporting person

Double Twins K, LLC

2

Check the appropriate box if a member of a Group (See Instructions)

(a)
(b)

3

SEC use only

4

Source of funds (See Instructions)

AF

5

Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)

6

Citizenship or place of organization

DELAWARE

Number of Shares Beneficially Owned by Each Reporting Person With:

7	Sole Voting Power 0.00
8	Shared Voting Power 924,244.00
9	Sole Dispositive Power 0.00
10	Shared Dispositive Power 924,244.00

11

Aggregate amount beneficially owned by each reporting person

924,244.00

12

Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)

13

Percent of class represented by amount in Row (11)

5.8 %

14

Type of Reporting Person (See Instructions)

HC, OO

SCHEDULE 13D

CUSIP No. 38046W204

1

Name of reporting person

Ruben Kliksberg

2

Check the appropriate box if a member of a Group (See Instructions)

(a)
(b)

3

SEC use only

4

Source of funds (See Instructions)

AF

5

Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)

6

Citizenship or place of organization

UNITED STATES

Number of Shares Beneficially Owned by Each Reporting Person With:

7	Sole Voting Power 0.00
8	Shared Voting Power 924,244.00
9	Sole Dispositive Power 0.00
10	Shared Dispositive Power 924,244.00

11

Aggregate amount beneficially owned by each reporting person

924,244.00

12

Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)

13

Percent of class represented by amount in Row (11)

5.8 %

14

Type of Reporting Person (See Instructions)

IN, HC

SCHEDULE 13D

Item 1.	Security and Issuer
(a)	Title of Class of Securities: Class A Common Stock, par value $0.0001 per share
(b)	Name of Issuer: GoHealth, Inc.
(c)	Address of Issuer's Principal Executive Offices: 250 West 55th St., 26th Floor, New York, NEW YORK , 10019.
Item 2.	Identity and Background
(a)	This statement is filed by: (i) Redwood Capital Management, LLC, which serves as the investment manager to certain funds (the "Redwood Funds") with respect to the shares of Class A common stock, par value $0.0001 per share ("Class A Common Stock"), of GoHealth, Inc. (the "Issuer") directly held by the Redwood Funds; (ii) Redwood Capital Management Holdings, LP, the sole member of Redwood Capital Management, LLC; (iii) Double Twins K, LLC, the general partner of Redwood Capital Management Holdings, LP; and (iv) Ruben Kliksberg, the Managing Member of Double Twins K, LLC. Each of Redwood Capital Management, LLC, Redwood Capital Management Holdings, LP, Double Twins K, LLC and Mr. Kliksberg is referred to as a "Reporting Person" and collectively as the "Reporting Persons."
(b)	The principal business address of each of the Reporting Persons is 250 West 55th St., 26th Floor, New York, NY 10019.
(c)	The principal business of each of the Reporting Persons is investment management.
(d)	None of the Reporting Persons has, during the last five years, been convicted in a criminal proceeding (excluding traffic violations or similar misdemeanors).
(e)	None of the Reporting Persons has, during the last five years, been a party to a civil proceeding of a judicial or administrative body of competent jurisdiction and as a result of such proceeding was or is subject to a judgment, decree or final order enjoining future violations of, or prohibiting or mandating activities subject to, federal or state securities laws or finding any violation with respect to such laws.
(f)	Redwood Capital Management, LLC is a Delaware limited liability company. Redwood Capital Management Holdings, LP is a Delaware limited partnership. Double Twins K, LLC is a Delaware limited liability company. Mr. Kliksberg is a citizen of the United States of America.
Item 3.	Source and Amount of Funds or Other Consideration
	Item 4 of this Schedule 13D is incorporated herein by reference.
Item 4.	Purpose of Transaction
	On August 6, 2025, in connection with its refinancing transactions, the Issuer and certain of its subsidiaries entered into Amendment No. 14 to that certain Credit Agreement, dated as of September 13, 2019 (as amended, restated, amended and restated, supplemented or otherwise modified from time to time, the "Existing Credit Agreement"). As consideration for, and condition to, the lenders' entry into the amendment to the Existing Credit Agreement, the Issuer issued shares of its Class A Common Stock to lenders thereunder and their affiliates, including the Redwood Funds.
Item 5.	Interest in Securities of the Issuer
(a)	See rows (11) and (13) of the cover page to this Schedule 13D for the aggregate number of shares of Class A Common Stock and percentage of Class A Common Stock beneficially owned by each Reporting Person. The aggregate percentage of Class A Common Stock reported beneficially owned by each Reporting Person is based upon 11,222,135 shares of Class A Common Stock outstanding as of August 5, 2025, based on information provided by the Issuer, plus 4,766,219 shares of Class A Common Stock issued on August 6, 2025, as reported in the Issuer's Form 8-K filed with the Securities and Exchange Commission on August 7, 2025.
(b)	See rows (7) through (10) of the cover page to this Schedule 13D for the shares of Class A Common Stock as to which each Reporting Person has the sole or shared power to vote or direct the vote and sole or shared power to dispose or to direct the disposition.
(c)	Except as described in Item 4 of this Schedule 13D, no transactions in shares of Class A Common Stock have been effected by the Reporting Persons during the past sixty (60) days.
(d)	Other than the Reporting Persons and the Redwood Funds, no persons have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, the shares of Class A Common Stock reported herein.
(e)	Not applicable.
Item 6.	Contracts, Arrangements, Understandings or Relationships With Respect to Securities of the Issuer
	Item 4 of this Schedule 13D is incorporated herein by reference. Other than as described herein, there are no contracts, arrangements, understandings or relationships with respect to the securities of the Issuer.
Item 7.	Material to be Filed as Exhibits.
	Exhibit 99.1: Joint Filing Agreement

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Redwood Capital Management, LLC

Signature:	/s/ Ruben Kliksberg
Name/Title:	Ruben Kliksberg / Managing Member of Double Twins K, LLC, the general partner of Redwood Capital Management Holdings, LP, its sole member
Date:	08/13/2025

Redwood Capital Management Holdings, LP

Signature:	/s/ Ruben Kliksberg
Name/Title:	Ruben Kliksberg / Managing Member of Double Twins K, LLC, its general partner
Date:	08/13/2025

Double Twins K, LLC

Signature:	/s/ Ruben Kliksber
Name/Title:	Ruben Kliksberg / Managing Member
Date:	08/13/2025

Ruben Kliksberg

Signature:	s/ Ruben Kliksberg
Name/Title:	Ruben Kliksberg / Individually
Date:	08/13/2025

FAQ

What stake did Redwood-affiliated reporting persons disclose in GOCO?

The filing reports an aggregate beneficial ownership of 924,244 Class A shares, equal to 5.8% of the Class A stock.

Why were the shares issued to the Redwood Funds and others?

The shares were issued as consideration to lenders in connection with Amendment No. 14 to GoHealth's credit agreement, related to refinancing on August 6, 2025.

Do the Reporting Persons have voting control over the shares?

The filing states the Reporting Persons have shared voting power and shared dispositive power, and report no sole voting or dispositive power.

Were there any other transactions by the Reporting Persons in the past 60 days?

Except for the issuance described in Item 4, the filing states that no transactions in the past 60 days were effected by the Reporting Persons.

How was the percentage ownership calculated?

The 5.8% figure is based on 11,222,135 shares outstanding as of August 5, 2025 plus 4,766,219 shares issued on August 6, 2025, per the issuer's filing on August 7, 2025.