Clover Health
has an entirely new approach to health insurance.


We have one goal—to improve the quality of life of our members and physicians.

It all starts with our insurance model. We align with physicians by reducing doctor-insurer friction and increasing visibility into the health of each patient, leading to improved care. Our physicians are able to focus on people, not paperwork.

At Clover Health, we’re also partners in care, using patient-centered analytics and a dedicated care management team to identify potential risks a member may face and directly provide preventive care.




Our Leadership Team


Vivek Garipalli

Co-Founder, CEO and Board Member

Vivek Garipalli is the co-founder and CEO of Clover Health. Prior to founding Clover, he founded CarePoint Health in 2008, a fully integrated healthcare system in New Jersey. Through his role at CarePoint – whose mission is to serve uninsured and underinsured patient populations – Vivek experienced the misalignment of providers and insurance companies first-hand, which led to the founding of Clover. Vivek also co-founded a healthcare services revenue cycle company called Ensemble Health, and was a founding investor of Flatiron Health where he helped drive the development of the business model and strategy and sat on its Board through its sale to Roche in 2018. Vivek is active in health tech, serving as a board member of Doctor Evidence and Medically Home and an investor in numerous early-stage health tech companies.  The main cause he is focused on is helping with homelessness and is a financial supporter of The Bowery Mission in New York City and Newark, NJ. Vivek began his career in finance, holding roles at Credit Suisse First Boston, J.P. Morgan Partners and Blackstone Group. He earned a B.B.A. in Entrepreneurship from Emory University.

Andrew Toy

President, CTO and Board Member

Andrew Toy is the President and Chief Technology Officer at Clover, where he is responsible for overseeing engineering, data science, product, IT and security, as well as driving the vision for how technology and analytics can improve the lives of Clover's members. Andrew joined Clover from Google, where he coordinated enterprise activities for the Android team and ran Machine Learning, Enterprise Search and Analytics for the G-Suite team. Before that, he was the CEO and co-founder of Divide, a company focused on creating a split between work and personal data on mobile devices, which was acquired by Google in 2014. He earned his BS and MS in Computer Science from Stanford.

Sophia Chang

Chief Clinical Informatics Officer

Dr. Sophia Chang is the Chief Clinical Informatics Officer at Clover Health where she is responsible for setting the company's clinical strategy and integrating clinical perspectives into Clover's technology platform to improve care delivery and patient outcomes. Prior to joining Clover, Dr. Chang was Chief Clinical Innovation Officer at CareMore Health Plan, VP of Programs at the California HealthCare Foundation, VP and Medical Director of population health solutions at Accretive Health, Director of the Veterans Health Administration's Center for Quality Management in Public Health, Medical Director of the San Francisco Health Plan, and Director of AIDS Health Services for the San Francisco Department of Public Health. Dr. Chang continues to practice general internal medicine at San Francisco General Hospital as a UCSF faculty member. Dr. Chang holds a BA from Amherst College; an MPH from the University of California, Berkeley; and an MD from Columbia University's College of Physicians and Surgeons.

Calvin Chock

Chief Product Officer

Calvin Chock is the Chief Product Officer at Clover Health, a healthcare company using technology to improve health outcomes. At Clover, Calvin leads the product management, research and design teams for all provider and member facing applications. Prior to Clover, Calvin spent over a decade at McKesson, most recently serving as VP of Product Management, Engineering and QA, Customer Technology Solutions, where he led the design and engineering of a large suite of industry-leading healthcare applications.

Kumar Dharmarajan

Chief Scientific Officer

Dr. Kumar Dharmarajan is a cardiologist, geriatrician and Chief Scientific Officer at Clover Health where he leads its clinical programs and R&D initiatives for its most medically complex members. Prior to joining Clover, Dr. Dharmarajan developed quality measures used by Medicare, including its Innovation Center. He also led research studies to help hospitals and health systems lower preventable hospitalizations. His work has appeared in top medical journals including the New England Journal of Medicine, JAMA, and Health Affairs. He earned his AB at Harvard and MD and MBA at Columbia. He continues to practice geriatrics in Clover’s Complex Care Programs and cardiology at Yale New Haven Hospital as an adjunct faculty member at Yale.

Rachel Fish

Chief People Officer

Rachel is the Chief People Officer at Clover Health where she oversees all strategic development and management of people operations and corporate administrative functions. Her organization includes the HR, Talent, Facilities, Learning and Organizational Development, Culture Inclusion & Diversity and Executive Support teams. A long time devotee to Clover's growth and mission, she started as Chief of Staff to the CEO and evolved over the years into her current role. Prior to Clover, Rachel held multiple executive-level roles at Mesirow Financial, including Senior Vice President of National Operations, where she worked cross-functionally with senior leadership to operationalize the firm's long-term strategic plan. Rachel earned her BS in Finance and Economics from Albany State University.

Gia Lee

General Counsel

Gia Lee is General Counsel at Clover Health. As the Chief Legal Officer, she is responsible for overall management of the company's legal, regulatory, and public policy matters. Prior to joining Clover, Gia was Deputy General Counsel at the U.S. Department of Health and Human Services, where she oversaw legal advice in support of the Centers for Medicare and Medicaid Services, the Office of the National Coordinator for Health Information Technology, the Office for Civil Rights, the Centers for Disease Control and Prevention, and the Administration for Children and Families. Before joining HHS, she was a professor at UCLA School of Law and an Attorney-Advisor at the U.S. Department of Justice's Office of Legal Counsel. She also practiced law at Sidley & Austin and litigated employment discrimination cases at the Lawyers' Committee for Civil Rights. Gia earned a J.D. and A.B. from Harvard and an M.Phil from Cambridge.

Jamie Reynoso

Chief Operating Officer

Jamie Reynoso is the Chief Operating Officer at Clover Health, where she is responsible for plan operations including service, network, clinical and IT.  With over 30 years experience in the healthcare industry, Jamie has a strong background in health plan operations with a focus on Medicare and Medicare Advantage. Prior to joining Clover Health, she spent over 16 years at UnitedHealth Group where she held various roles including Vice President of Emerging Business. She’s also been responsible for payer strategy and operations at a large national hospital system and most recently served as CEO of a provider-sponsored health plan in Texas. Jamie lives with her husband and daughter in Texas, where she enjoys spending time with her family and friends, reading, traveling, watching sports, and spending time outside.

Wendy Richey

Chief Compliance Officer

Wendy Richey is Chief Compliance Officer at Clover Health where she maintains a beneficial working relationship with CMS staff to create alignment between regulatory requirements and Clover’s financial and operational goals. With over 40 years’ experience in the Medicare industry, Wendy has a sound understanding of the challenges, opportunities and best practices influencing the successful conduct of both start-up and mature plans. Prior to Clover, Wendy held executive roles at ComplexCare Solutions, Windsor Health Plan, and HealthSpring. In her past roles, she developed successful regional and national plans within a well-managed, cost-efficient model, while sustaining viability and competitiveness, and transitioned plans through acquisitions, both from a buyer and seller position. Wendy lives in Nashville where she enjoys spending time with her husband, three children, and five grandchildren.

Prabhdeep Singh

Chief Growth Officer

Prabhdeep Singh is the Chief Growth Officer at Clover Health where he oversees the company's membership growth and expansion of its service areas and provider network. Prior to Clover, Prabhdeep was the Global Head of Marketplace at WeWork where he led the development and growth of its digital platform and emerging products and services. Prabhdeep has also held a number of leadership roles at Uber, including the Head of Enterprise and General Manager of several markets for Uber Eats. Prabhdeep began his career in finance, holding roles at Morgan Stanley, the Partnership Fund for New York City, and GLG. He earned a BA from Boston College and lives with his wife and two kids in Brooklyn, NY.

Mark Spektor

Chief Medical Officer

Mark Spektor, DO, MBA is a Board Certified physician in Emergency Medicine, and the Chief Medical Officer of Clover Health. Prior to this appointment he was the President and CEO of Bayonne Medical Center as well as Chief Clinical Integration Officer of CarePoint Health. Before being named CEO he served as SVP for Medical Affairs and Chief of the Emergency Department at Bayonne Medical Center. In addition, he has held various teaching positions and served as the Associate Residency Director in the Department of Emergency Medicine at SUNY-Downstate and he is currently an Assistant Professor of Emergency Medicine at SUNY – Downstate in Brooklyn. Dr. Spektor has received awards for academic achievement from UMDNJ-SOM and served on the Curriculum Committee at Albert Einstein Medical Center, Philadelphia. He has published numerous articles in peer reviewed journals in addition to several chapters in internationally recognized textbooks. He is a frequent Grand Rounds Presenter and Lecturer. He is a member of the American College of Physician Executives, American College of Emergency Physicians and the Society of Academic Emergency Medicine. His interests include population health management, quality management and design and implementation of better health care delivery systems. He received his Masters of Business Administration from the University of Massachusetts – Amherst.

Joe Wagner

Chief Financial Officer

Joe Wagner is the Chief Financial Officer at Clover Health and is responsible for oversight of the Company’s financial, actuarial, and data analytics functions. Joe is committed to maximizing Clover Health’s ability to serve its members through a sustainable and efficient model with high growth goals. Prior to joining Clover Health, Joe held financial executive roles in various healthcare organizations including UnitedHealth Group, Healthcare Interactive, Cigna-HealthSpring and Bravo Health. He began his career in public accounting at Arthur Andersen and subsequently at Ernst & Young. Joe holds a Bachelors of Business Administration in Accountancy from the University of Notre Dame and is a Certified Public Accountant (currently inactive).

Join our team across the United States and Hong Kong

At Clover Health, we’re excited to speak with all unique thinkers about how to improve the lives of thousands, whether you’ve got prior experience in the healthcare industry or not.

San Francisco

22 4th St. Floor 10
San Francisco, CA 94103


725 Cool Springs Blvd, Suite 300
Franklin, TN 37067

Jersey City

30 Montgomery St. Floor 15
Jersey City, NJ 07302

Hong Kong

The Hive, 1st Floor
33-35 Hillier Street
Sheung Wan, Hong Kong