UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

SCHEDULE 13D

Under the Securities Exchange Act of 1934

(Amendment No.     )*

GoHealth, Inc.

(Name of Issuer)

Class A Common Stock, par value $0.0001 per share

(Title of Class of Securities)

38046W105

(CUSIP Number)

Clinton P. Jones

214 West Huron St.

Chicago, IL 60654

(312) 386-8200

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

November 16, 2022

(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 Rule 13d-1(e), Rule 13d-1(f) or Rule 13d-1(g), check the following box.  ☐

Note: Schedules filed in paper format shall include a signed original and five copies of the schedule, including all exhibits. See Rule 13d-7(b) for other parties to whom copies are to be sent.

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).

This statement on Schedule 13D (the “Schedule 13D”) relates to the shares of Class A Common Stock, par value $0.0001 per share (the “Class A Common Stock”), of GoHealth, Inc., a Delaware corporation (the “Issuer”), whose principal executive offices are located at 214 West Huron St., Chicago, IL 60654.

The Schedule 13D is being filed by the following persons (each a “Reporting Person” and collectively, the “Reporting Persons”):

NVX Holdings, Inc. (“NVX”);

Brandon M. Cruz;

Clinton P. Jones; and

BCCJ, LLC (“BCCJ”).

Each of Messrs. Cruz and Jones is a citizen of the United States. Each of the other Reporting Persons is organized under the laws of the State of Delaware. The principal business address of each of the Reporting Persons is 214 West Huron St., Chicago, IL 60654. The principal occupation of Mr. Cruz is Co-Founder and Non-Executive Co-Chair of the Board of Directors (the “Board”) of the Issuer. The principal occupation of Mr. Jones is Co-Founder and Executive Chair of the Board of the Issuer. The other Reporting Persons are principally engaged in the business of managing investments in securities, including securities of the Issuer.

By virtue of the agreements made pursuant to the Stockholders Agreement (as defined below), the Reporting Persons and certain persons affiliated with Centerbridge Partners (“Centerbridge,” and collectively with the Reporting Persons, the “Stockholders”) may be deemed to be acting as a group for purposes of Rule 13d-3 under the Securities and Exchange Act of 1934, as amended (the “Exchange Act”). Shares beneficially owned by Centerbridge are not the subject of this Schedule 13D. For a description of the relationship between the Reporting Persons and Centerbridge, see Item 4 below.

During the last five years, neither the Reporting Persons nor any Related Person (i) has been convicted in any criminal proceeding (excluding traffic violations or similar misdemeanors) or (ii) was 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.

Prior to the Issuer’s initial public offering (“IPO”), the Reporting Persons acquired membership interests (“LLC Interests”) in GoHealth Holdings, LLC, a subsidiary of the Issuer, in a series of transactions. In connection with certain reorganization transactions consummated at and following pricing of the IPO, and as more fully described in the Issuer’s prospectus filed with the Securities and Exchange Commission (the “SEC”) on July 16, 2020, the Reporting Persons acquired an aggregate of 92,721,798 shares of the Issuer’s Class B common stock, $0.0001 par value per share (the “Class B Common Stock”), each of which votes on a 1-for-1 basis with the Class A Common Stock and which will be proportionately cancelled for no consideration in connection with any redemption of the LLC Interests held by the Reporting Persons.

On March 16, 2021, BCCJ purchased 178,000 shares of Class A Common Stock for aggregate consideration of approximately $2 million in a series of open-market transactions. From August 16, 2021 to November 11, 2021, NVX purchased 807,300 shares of Class A Common Stock for aggregate consideration of approximately $3.2 million in a series of open-market transactions.

On November 17, 2022, after market close, the Issuer effected a 1-for-15 reverse stock split of its Class A Common Stock and Class B Common Stock (the “Stock Split”). The beneficial ownership amounts in this Schedule 13D are presented on a post-split basis.

The Reporting Persons obtained the funds used to acquire their interests in the Issuer’s securities through capital contributions from their partners and members.

Stockholders Agreement

In connection with the IPO, the Issuer entered into a stockholders agreement, dated July 15, 2020 (the “Stockholders Agreement”), with the Stockholders. Pursuant to the Stockholders Agreement, each of the Stockholders has the right to nominate to the Issuer’s board of directors (the “Board”) (i) two directors, if the respective Stockholder continues to beneficially own at least 10% of the aggregate number of shares of the outstanding Class A Common Stock, or (ii) one director, if the respective Stockholder continues to beneficially own less than 10% but at least 5% of the aggregate number of shares of the outstanding Class A Common Stock. Each of the Stockholders has the right to nominate to the Board an additional (i) two independent directors (within the meaning of the NASDAQ Listing Rules), if the respective Stockholder continues to beneficially own at least 20% of the aggregate number of shares of the outstanding Class A Common Stock, or (ii) one independent director, if the respective Stockholder continues to beneficially own less than 20% but at least 15% of the aggregate number of shares of the outstanding Class A Common Stock.

Additionally, pursuant to the Stockholders Agreement, each of the Stockholders will have the right to appoint one board observer so long as the respective Stockholder beneficially owns, directly or indirectly, at least 5% of the outstanding Class A Common Stock.

Registration Rights Agreement

In connection with the IPO, the Issuer entered into a registration rights agreement, dated July 15, 2020 (the “Registration Rights Agreement”), with certain of the Reporting Persons and the other parties thereto, pursuant to which the Issuer granted shelf registration rights, piggyback registration rights and demand registration rights to the Reporting Persons, for the resale under the Securities Act of 1933, as amended, of the Class A Common Stock held by them, directly or indirectly, as a result of the IPO, subject to certain conditions set forth therein.

The foregoing descriptions of the Stockholders Agreement and the Registration Rights Agreement do not purport to be complete and are qualified in their entirety by reference to the full text of such agreements, which are attached as exhibits to this Schedule 13D and are incorporated herein by reference.

Contingent Promissory Note

In connection with the IPO, certain Centerbridge Partners affiliates entered into a contingent promissory note (the “Note”), dated July 15, 2020, with certain of the Issuer’s other securityholders, including NVX, BCCJ and Blizzard Management Feeder, LLC (collectively, the “Payees”), pursuant to which such Centerbridge Partners affiliates have agreed to pay the Payees up to approximately $71.3 million in the event such Centerbridge Partners affiliates’ Realized Cash Proceeds (as defined in the Note) exceed certain dollar thresholds. Specifically, if such Centerbridge Partners affiliates’ Realized Cash Proceeds on their equity holdings as of the time of the IPO (whether from dividends, distributions, or sales) exceeds approximately $1.35 billion, the Payees shall be entitled to receive a cash payment in the amount of such excess, up to approximately $35.6 million. The remaining amount due under the Note shall be paid in the event the Realized Cash Proceeds exceed $1.62 billion (in the amount of such excess, up to the remaining amount due). The Note will automatically terminate upon the earlier to occur of (a) its full payment and (b) 30 days following the date on which such Centerbridge Partners affiliates no longer hold any of the equity securities of the Issuer held at the effective date of the Note.

General

The Reporting Persons acquired the securities described in this Schedule 13D for investment purposes and intend to review their investments in the Issuer on a continuing basis. Any actions the Reporting Persons might undertake may be made at any time and from time to time without prior notice and will be dependent upon the Reporting Persons’ review of numerous factors, including, but not limited to: an ongoing evaluation of the Issuer’s business, financial condition, operations and prospects; price levels of the Issuer’s securities; general market, industry and economic conditions; the relative attractiveness of alternative business and investment opportunities; and other future developments.

The Reporting Persons may acquire additional securities of the Issuer, or retain or sell all or a portion of the securities then held, in the open market or in privately negotiated transactions. In addition, pursuant and in addition to the rights granted under the Stockholders Agreement, the Reporting Persons, including Messrs. Cruz and Jones in their respective positions at the Issuer, may engage in discussions with management, the Board, stockholders of the Issuer and other relevant parties or encourage, cause or seek to cause the Issuer or such persons to consider or explore extraordinary corporate transactions, such as: a merger, reorganization or take-private transaction that could result in the de-listing or de-registration of the Class A Common Stock; sales or acquisitions of assets or businesses; changes to the capitalization or dividend policy of the Issuer; or other material changes to the Issuer’s business or corporate structure, including changes in management or the composition of the Board. To facilitate their consideration of such matters, the Reporting Persons may retain consultants and advisors and may enter into

discussions with potential sources of capital and other third parties. The Reporting Persons may exchange information with any such persons pursuant to appropriate confidentiality or similar agreements. The Reporting Persons will likely take some or all of the foregoing steps at preliminary stages in their consideration of various possible courses of action before forming any intention to pursue any particular plan or direction.

Other than as described above, the Reporting Persons do not currently have any plans or proposals that relate to, or would result in, any of the matters listed in Items 4(a)–(j) of Schedule 13D, although, depending on the factors discussed herein, the Reporting Persons may change their purpose or formulate different plans or proposals with respect thereto at any time.

(a) – (b)

The following sets forth, as of the date of this Schedule 13D, the aggregate number of shares of Class A Common Stock and percentage of Class A Common Stock beneficially owned by each of the Reporting Persons, as well as the number of shares of Class A Common Stock as to which each Reporting Person has the sole power to vote or to direct the vote, shared power to vote or to direct the vote, sole power to dispose or to direct the disposition of, or shared power to dispose or to direct the disposition of, as of the date hereof, based on 8,890,469 shares of Class A Common Stock outstanding as of November 18, 2022 following the Stock Split, as provided by the Issuer:

NVX is the record holder of 53,820 shares of Class A Common Stock and 6,178,532 LLC Interests. BCCJ is the record holder of 11,866 shares of Class A Common Stock and 2,921 LLC Interests. Each of Messrs. Jones and Cruz is the record holder of 3,000 shares of Class A Common Stock.

Messrs. Jones and Cruz are the Chief Executive Officer and President of NVX, respectively, and are members of the Board of Managers of BCCJ. As a result, each of Messrs. Jones and Cruz may be deemed to beneficially own the securities held by each of NVX and BCCJ.

In addition, each of Messrs. Jones and Cruz may be deemed to beneficially own: (i) 2,508 shares of Class A Common Stock underlying stock options and (ii) 180,411 shares of Class A Common Stock underlying Blizzard Management Feeder LLC Interests, in each case that are currently vested or will vest within 60 days.

In addition, as discussed in Item 2 above, by virtue of the agreements made pursuant to the Stockholders Agreement, the Stockholders may be deemed to be acting as a group for purposes of Rule 13d-3 under the Exchange Act. Shares beneficially owned by Centerbridge are not the subject of this Schedule 13D and accordingly, Centerbridge is not included as a reporting person herein.

(c) During the past 60 days, the Reporting Persons have not effected any transactions with respect to the Class A Common Stock.

(d) None.

(e) Not applicable.

Item 4 above summarizes certain provisions of the Stockholders Agreement, the Registration Rights Agreement and the Note, and is incorporated herein by reference. A copy of each of the Stockholders Agreement and the Registration Rights Agreement is attached as an exhibit to this Schedule 13D, and is incorporated herein by reference.

Except as set forth in Item 4, the Reporting Persons do not have any contracts, arrangements, understandings or relationships (legal or otherwise) with any person with respect to any securities of the Issuer, including but not limited to any contracts, arrangements, understandings or relationships concerning the transfer or voting of such securities, finder’s fees, joint ventures, loan or option arrangements, puts or calls, guarantees of profits, division of profits or losses, or the giving or withholding of proxies.

SIGNATURES

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.

Date: November 25, 2022

EXHIBIT 1

JOINT FILING AGREEMENT

In accordance with Rule 13d-1(k)(1) promulgated under the Securities Exchange Act of 1934, as amended, the undersigned hereby agree that they are jointly filing this statement on Schedule 13D. Each of them is responsible for the timely filing of such statement and any amendments thereto, and for the completeness and accuracy of the information concerning such person contained therein; but none of them is responsible for the completeness or accuracy of the information concerning the other persons making the filing, unless such person knows or has reason to believe that such information is inaccurate.

IN WITNESS WHEREOF, the undersigned hereby execute this Joint Filing Agreement as of the 25^th day of November, 2022.