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    Jonathan Young • Cantor Fitzgerald

    Jonathan Young's questions to Clover Health Investments Corp (CLOV) leadership

    Jonathan Young's questions to Clover Health Investments Corp (CLOV) leadership • Q1 2025

    Question

    Jonathan Young asked for an update on core medical trends within the insurance business, comparing new versus existing member cohorts, and inquired about Part D out-of-pocket maximum trends. He also questioned the progress of the Counterpart Health go-to-market strategy and its potential timeline for financial contribution.

    Answer

    CFO Peter Kuipers responded that overall cost trends, for both new and returning member cohorts, are performing as expected. CEO Andrew Toy added that while the company remains excited about Counterpart Health, the immediate focus is on improving profitability in the core insurance segment, with further updates on Counterpart to be provided later in the year.

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    Jonathan Young's questions to Clover Health Investments Corp (CLOV) leadership • Q3 2024

    Question

    Jonathan Young of Cantor Fitzgerald inquired about the early performance of the Annual Enrollment Period (AEP) for 2025, the impact of the improved STARS rating on member attraction, the nature of planned Q4 investments, and the size of the Prior Period Development (PPD) benefit.

    Answer

    CEO Andrew Toy explained that the company is well-positioned for AEP due to its new four-star rating and maintained product richness, especially as competitors retreat. CFO Peter Kuipers added that Q4 investments are focused on marketing and quality initiatives. He also clarified that while the specific PPD benefit isn't disclosed, its impact was smaller than in previous quarters.

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