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Clover Health Investments CLOV Insurance segment — Premium deficiency reserve benefit
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Where this comes from
Reported directly by Clover Health Investments in its filing.
Tagged under the XBRL concept clov:PremiumDeficiencyTestingBenefitLongDurationContractAmount.
The source filing: Clover Health Investments’s 10-K, filed February 27, 2026.
- Filed
- Feb 27, 2026, 8:08 AM EST
- Fiscal year
- FY2025
- Accession
- 0001801170-26-000057
| Line item | Year ended December 31, 2025 | Year ended December 31, 2024 | 2023 |
|---|---|---|---|
| Salaries and benefits | 225,475 | 232,454 | 257,157 |
| General and administrative expenses | 214,270 | 176,480 | 183,089 |
| Impairment of goodwill and other intangible assets | — | — | 15,945 |
| Premium deficiency reserve benefit | — | — | (7,239) |
| Depreciation and amortization | 1,686 | 1,331 | 2,509 |
| Restructuring costs | — | 288 | 9,821 |
| Total operating expenses | 2,009,837 | 1,416,880 | 1,465,872 |
| Loss from continuing operations | (85,529) | (45,749) | (205,329) |
Item 8. Consolidated Financial Statements and Supplementary Data
FAQ
- What is Clover Health Investments's insurance segment — premium deficiency reserve benefit?
- Clover Health Investments (CLOV) reported insurance segment — premium deficiency reserve benefit of $0 in Q4 2025.
- What is the long-term trend for Clover Health Investments's insurance segment — premium deficiency reserve benefit?
- Over 2 years (2023 to 2025), Clover Health Investments's insurance segment — premium deficiency reserve benefit has grown at a -100.0% compound annual growth rate (CAGR), from $7.24M to $0.
- What does insurance segment — premium deficiency reserve benefit mean?
- This represents the reversal or reduction of reserves previously established for insurance contracts where expected future claims and expenses exceed anticipated premiums. A benefit indicates that the underlying profitability of the insurance portfolio has improved, reducing the need for loss-recognition reserves. It serves as a key indicator of actuarial performance and the adequacy of premium pricing within the insurance segment.
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