The Best Medicare Advantage Plan For You in 2026 Could Be With Clover Health

From a continued increase in premiums and costs to more plan terminations. This annual enrollment window is another important year to ensure you don’t face any surprises in 2026. 

If you are not sure how your plan is changing, it’s important to read the Annual Notice of Change, or ANOC, package you should have received in the mail or can find online at your carrier’s website. This will explain all of the changes to expect in your current plan for next year. 

At Clover Health, we continue our commitment to maintaining stability and improvement across our plan designs. It’s important for us to offer plans that provide: 

• Affordability – $0 to low monthly plan premiums and copays 
• Flexibility – Large network of hospitals and providers with no referrals required
• Predictability – Focus on copays versus coinsurance (% of cost) 
• Value – Extras like allowances for dental, eyewear, and over-the-counter items  

Choosing the right Medicare Advantage plan is a personal decision, and at Clover, we understand that. We don’t just strive to offer healthcare insurance with strong coverage and great benefits; we offer a plan that treats you like family, making sure you have the care you need when you need it.

Let’s dive in more into why a Clover Health Medicare Advantage Plan could be the best plan for you in 2026. You can also use the link to find 2025 plans if you are looking to enroll in a plan that starts before January 1, 2026.

Clover Medicare Advantage 2026 Plan Highlights

While other health insurers may be increasing premiums or deductibles or terminating plans, we are proud that our plans are staying consistent, if not better, going into 2026. 

At Clover, we are focused on your entire wellness and make sure our plans have: 

• $0 to low monthly plan premiums
• $0 to low copays for primary care and specialist visits 
• Most plans include $0 Outpatient labs (Labcorp & Quest)
• Plans with prescription coverage that start at $0 copays 
• Routine dental, vision, and hearing exams
• Many plans include comprehensive dental and eyewear allowances  
• Quarterly OTC allowance
• Fitness benefit with a premium gym network
• $400 Rewards program 

All of this is in addition to a large hospital and physician network. And even more, our PPO plans allow you to see doctors both in and out-of-network, as long as the doctor accepts Clover.† You can use our provider directory tool to find in-network providers. 

It’s easy to see why our members praise our plans!

“We have already recommended it to my family members to become a Clover member because their service is the best. I’ve been with Clover for many years, so I tell everyone to join Clover.” Dipak and Jagruti, Dipak member since 2017 and Jagruti since 2019

“I’ve talked to people about Clover and told them that it’s easy. I strongly recommend Clover because it’s no phony stuff. I’ve been a member of Clover for about ten years and had no problems at all. Whatever they tell you is true, and you can take it to the bank.” Al, member since 2014

“I've recommended it to my siblings, who had other insurance that did not help them as much as Clover is helping them now. They are happy, too.” Natalia, member since 2018

Now let’s jump into some state-specific highlights!

Clover Health New Jersey 2026 Medicare Plan Highlights

• $0 copay for in- network PCP visits
• As low as a $2 in-network specialist copay
• As high as a $180 quarterly OTC allowance
• As high as a $2,500 dental allowance

Our New Jersey plan designs offer something for everyone – $0 premium MAPD plans, value plans that pair well with state financial assistance (e.g., Extra Help on Part D), and MAPD and MA-only plans with a Part B giveback. Learn more about Clover’s New Jersey Medicare Advantage Plans here.

Clover Health Georgia 2026 Medicare Plan Highlights

• $0 copay for in-network PCP visits
• As low as a $5 in-network specialist copay
• As high as $125 quarterly OTC allowance
• As high as $2,000 dental allowance

See why people in Georgia are choosing our Medicare Advantage PPO plans. We offer $0 premium MAPD plans, value plans that pair well with state financial assistance (e.g., Extra Help on Part D), and MAPD and MA-only plans with a Part B giveback. Learn more here.

South Carolina 2026 Plan Highlights

• $0 copay for in-network PCP visits
• $0 premium MAPD with a $20 monthly Part B giveback
• Low in-network specialist copay 
• High quarterly OTC allowance 

See why people in South Carolina are choosing our Medicare Advantage PPO plans. We offer $0 premium MAPD plans and MAPD and MA-only plans with a Part B giveback. Learn more here.

Texas 2026 Plan Highlights

• $0 copay for in- and out-of -network PCP visits 
• $0 to low copay for in- and out-of -network specialist visits 
• As high as a $60 quarterly OTC allowance 
• $1,500 in dental allowance

See why people in the Greater San Antonio area are choosing our Medicare Advantage PPO plans. We offer a $0 premium MAPD plan and a $0 premium MA only plan with a Part B Giveback. Learn more here.

Pennsylvania 2026 Plan Highlights 

• $0 to low copay for in- and out-of -network PCP visits 
• As low as $2 copay for in-network specialist visits 
• As high as $115 quarterly OTC allowance 
• $1,500 in dental allowance

See why people in the Greater Philadelphia area are choosing our $0 premium MAPD PPO plan. Learn more here. 

In Summary

A company focused on its members – offering great benefits, a large network of doctors and hospitals, and a loyal membership – just might make a Clover Health Medicare Advantage plan the best choice for you for 2026. Check out our plans here or give us a call at 1-800-836-6890 (TTY711). 

Clover Health is a Preferred Provider Organization (PPO) and a Health Maintenance Organization (HMO) with a Medicare Contract. Enrollment in Clover Health depends on contract renewal. Enrollment in a plan may be limited to certain times of the year unless you qualify for a special [election/enrollment] period or you are in your Medicare Initial Election Period.

*LiveHealthy rewards may not be used to purchase alcohol, tobacco products, or firearms. Not redeemable for cash. Other limitations may apply; please call Clover for details. 

†Out-of-network/non-contracted providers are under no obligation to treat Clover members, except in emergency situations.

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