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![_AlbertAlan Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::936831203872718849.png) Albert Alan [@_AlbertAlan](/creator/twitter/_AlbertAlan) on x 2882 followers
Created: 2025-07-13 02:08:44 UTC

Everyone's focused on the surface metrics.

But look closely — new Clover Health $CLOV members have an MCR of 95–105%. Returning members? 70–85%.

That’s a 3500 basis point drop. Quietly massive.

They’re not just managing care — they’re mastering it.

Now layer in Vertex AI, NLP, Trump-era cost-cutting policy pressures, and a forced shift toward value-based care across incumbents.

Clover isn’t just playing defense — they’re laying the tracks for a full-stack disruption.

What comes next? Generational.

Your kids will ask how you saw it coming.

![](https://pbs.twimg.com/media/Gvs_Nf8WkAAvwjj.jpg)

XXXXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1944217397835313163/c:line.svg)

**Related Topics**
[coins ai](/topic/coins-ai)
[$clov](/topic/$clov)
[clover](/topic/clover)

[Post Link](https://x.com/_AlbertAlan/status/1944217397835313163)