B. Riley FBR analyst Randy Binner downgraded Health Insurance Innovations (HIIQ) to Neutral from Buy and lowered his price target for the shares to $45 from $50. eHealth (EHTH) and National General (NGHC) have both reported softer than expected Q4 enrollment, Binner tells investors in a research note. To reflect the soft open enrollment read-through, Binner reduced his Q4 earnings per share estimate for Health Insurance Innovations to 70c from 73c and downgraded the shares. Howe ever, he believes the long-term outlook for the company's product set remains intact.