Clover Health Released 2027 Medicare Advantage Plans
The company unveiled its 2027 plan portfolio featuring low premiums and new preventive care incentives for beneficiaries.
Updated on Oct. 1, 2026 in Healthcare
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Clover Health has announced its 2027 Medicare Advantage plan offerings across 203 counties in five states. The new plans feature $0 primary care copays and expanded benefits including vision, dental, and rewards for healthy activities.
Why it matters
By emphasizing $0 premium options and PPO access without referral requirements, the company seeks to lower financial barriers to preventive healthcare. These plans utilize the Clover Assistant software to support clinical decision-making for participating physicians.
The 2027 Medicare Advantage portfolio covers 203 counties across five states, maintaining an identical geographic footprint to 2026. Members can earn up to $400 in LiveHealthy Rewards for completing eligible health-related activities.
The players
Clover Health
Clover Health is a technology-focused healthcare company based in Wilmington, Delaware, that provides Medicare Advantage insurance plans.
The details
The new offerings include $0 or low-premium PPO plans that eliminate referral requirements for specialists. Coverage includes dental, vision, over-the-counter benefits, and gym access, all supported by the Clover Assistant platform which aggregates patient data to assist doctors.
Timeline
October 1, 2026: Clover Health announced the 2027 Medicare Advantage plans.
October 15, 2026: The Annual Enrollment Period for Medicare plans begins.
December 7, 2026: The Annual Enrollment Period for Medicare plans concludes.
2027: The new Medicare Advantage plans become active for members.
Market Landscape
This plan launch highlights the industry shift toward integrating proprietary technology, such as the Clover Assistant, to optimize care delivery within a competitive insurance market. By maintaining its 2026 geographic footprint, the company focuses on deepening its presence in established regions rather than rapid expansion.
Eligible beneficiaries in the company's coverage area can expect $0 primary care copays and access to PPO networks without the need for referrals. Members can also reduce out-of-pocket costs by utilizing up to $400 in available health rewards for participating in healthy activities.
The takeaway
The 2027 plan rollout demonstrates a focus on value-based benefits like $0 lab services and integrated preventive care incentives. Consumers should review their specific county offerings during the enrollment window to determine how these low-premium options compare to their existing coverage.
What happens next
The Annual Enrollment Period will take place from October 15, 2026, through December 7, 2026, during which eligible beneficiaries may select or switch their plans for the 2027 calendar year.
Further reading
For additional context on industry trends, visit the Healthcare section.
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