Turn on cookies to sign in
Signing in saves your progress to your Curie account. We can only do that with cookies on — turn them on to continue.
Clover Health is on a roll. The Medicare Advantage insurer saw membership surge 49% year-over-year in Q3 2026 to ~157,000 members, while posting $130M in profit — up 77% YOY. The company is now projecting its first full year of GAAP net income profitability in 2026, with AI playing a central role in scaling operations and improving care quality.
Clover Health is having a standout year. The Medicare Advantage insurer reported Q3 2026 membership growth of 49% year-over-year, reaching approximately 157,000 members, alongside $130 million in profit (up 77% YOY) and $759 million in total revenue (up 53% YOY). CEO Andrew Toy credited the company's strong CMS star ratings — including a five-star rating for its flagship PPO plan, making it the largest five-star PPO contract in the country — as a key driver of its ability to invest in affordable care and member benefits.
Looking ahead, Clover is leaning heavily into AI as a growth engine. Toy described AI as having "reset the playing field in health plan operations," with tools like Clover Assistant helping providers identify diseases earlier, surface treatment gaps, and synthesize fragmented patient histories at the point of care. The company isn't just using AI to cut costs — it's positioning it as a tool to deliver better care at scale.
By the Numbers:
Why it matters: Clover's trajectory signals that a tech-forward, quality-focused approach to Medicare Advantage can be both clinically strong and financially viable — a model worth watching as the broader MA market faces increasing scrutiny over costs and care quality.
