$CLOV Clover has a 4.5 LTV:CAC ratio. LTV is determined by life expectancy - 65. life expectancy in the US is pitifully low 78 years. therefore 13 years/unit cost = 4.5....now if medicare is expanded to age 60... LTV:cac is 18/unit cost = 6.2 if it's age 50 then LTV:CAC is 9.7. if biden announces 60, clov is +37% the next day. if he announces 50, clov is 115% the next day.
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