# Andrew Toy

> Andrew Toy is the CEO and Board Member of Clover Health (NASDAQ: CLOV), a Medicare Advantage insurer using AI to help physicians identify and treat chronic conditions earlier. A Stanford-trained computer scientist who immigrated from Hong Kong at 16, Toy built Divide (acquired by Google for $120M in 2014), led Android Enterprise at Google, then joined Clover Health in 2018 as CTO before ascending to CEO in 2023. Under his leadership, Clover achieved 51% year-over-year membership growth and its first GAAP net income in Q1 2026, powered by the Clover Assistant AI platform that diagnoses diabetes three years earlier than conventional methods.

- **Role:** CEO and Board Member at Clover Health
- **Organizations:** Clover Health, Google, Divide (co-founder), Morgan Stanley, MTV Networks, Stanford University (lecturer), Marfan Foundation (board advisor)
- **From:** Hong Kong
- **Nationality:** American (Hong Kong-born)
- **Education:** Bachelor of Science in Computer Science, Stanford University, Master of Science in Computer Science, Stanford University
- **Known for:** Co-founded Divide, acquired by Google in 2014 for ~$120 million, Led Android Enterprise at Google, building Android for Work into a leading enterprise platform, Drove Clover Health to first GAAP Net Income of $27M in Q1 2026

## Career timeline

- **1996** — Moved from Hong Kong to United States at age 16 to attend Stanford University
- **~2000** — Associate Lecturer at Stanford University, teaching CS106A/X Introduction to Computer Science
- **~2002** — Vice President of Mobile Applications, Morgan Stanley; led wireless and mobility technologies, mobile security
- **~2008** — Head of Mobile and Syndication Businesses Technical Direction at MTV Networks; developed content delivery platform for Verizon, AT&T, Xbox, Netflix
- **~2011** — Co-founded Divide, a mobile device security startup (work/personal data separation); raised $25M+ in VC
- **2014** — Divide acquired by Google for approximately $120 million; one-third of ~70 employees became millionaires
- **2014** — Joined Google as Director of Android Enterprise Group, leading Android for Work enterprise platform
- **~2016** — Led Machine Learning, Enterprise Search, and Analytics for G-Suite at Google Cloud
- **2018** — Joined Clover Health as Chief Technology Officer (CTO) in February
- **2019** — Added President title to role at Clover Health, joined Board of Directors (March)
- **2021** — Named Advisor to the Marfan Foundation Board of Directors
- **2021** — Clover Health went public on NASDAQ (CLOV) via SPAC
- **2023** — Became Chief Executive Officer (CEO) of Clover Health effective January 1
- **2025** — Testified before U.S. House Committee on Energy and Commerce on AI's role in healthcare (September 3)
- **2025** — Achieved 53% year-over-year Medicare Advantage membership growth during Annual Enrollment Period
- **2026** — Clover Health reported Q1 2026 GAAP Net Income of $27M, first profitable quarter, with 155,773 members (51% YoY growth)

## Achievements

- Co-founded Divide, acquired by Google in 2014 for ~$120 million
- Led Android Enterprise at Google, building Android for Work into a leading enterprise platform
- Drove Clover Health to first GAAP Net Income of $27M in Q1 2026
- Grew Clover Health Medicare Advantage membership to 155,773 (51% YoY growth by Q1 2026)
- Built Clover Assistant AI that diagnoses diabetes 3 years earlier and CKD 1.5 years earlier than conventional methods
- Achieved 18% fewer hospitalizations and 25% fewer readmissions for CHF patients using Clover Assistant
- Testified before U.S. Congress on AI in healthcare, September 2025
- Associate Lecturer at Stanford teaching CS106A/X, one of the most popular CS courses in the country
- Recognized as Emerging Health Leader by Managed Healthcare Executive
- Named Advisor to the Marfan Foundation Board of Directors (2021)
- Guided Clover Health to 2026 revenue guidance of $2.81-2.92 billion (49% YoY growth)

## Latest updates

- **2026-05** — Clover Health Q1 2026: GAAP Net Income $27M, 155,773 Medicare Advantage members (51% YoY), revenue $749M (62% YoY growth)
- **2026-02** — Announced full-year 2026 guidance: $2.81-2.92B revenue (49% growth), first full-year GAAP profitability expected
- **2025-11** — Volunteered in creating the Marfan Foundation AI Community Companion tool
- **2025-09** — Testified before U.S. House Committee on Energy and Commerce Subcommittee on Health on AI's role in healthcare
- **2025-12** — Appeared on The Reverse Mullet Healthcare Podcast discussing physician empowerment and AI
- **2025-01** — Clover Health announced 53% YoY Medicare Advantage membership growth during AEP, reaching 153,000 members

## Links

- Website: https://cloverhealth.com
- LinkedIn: https://www.linkedin.com/in/toyand
- Twitter/X: https://x.com/andrewtoy
- YouTube: https://www.youtube.com/watch?v=vCXaSX7Ekp0
- Facebook: https://www.facebook.com/CloverHealth/

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Profile page: https://yespress.io/andrew-toy
Published by YesPress — https://yespress.io
Last updated: 2026-05-31