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.