<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2022 Workiva-->
<!--r:24875e61-0c4d-475b-a25e-32ed01a610d7,g:0c78e964-cdd7-44c9-b7f3-357e709236cf-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.cloverhealth/role/CONDENSEDCONSOLIDATEDBALANCESHEETS" xlink:type="simple" xlink:href="clov-20220630.xsd#CONDENSEDCONSOLIDATEDBALANCESHEETS"/>
  <link:calculationLink xlink:role="http://www.cloverhealth/role/CONDENSEDCONSOLIDATEDBALANCESHEETS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_0b659d5a-f0e8-4c15-9218-8c04749866af" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_cb0053b8-71f5-4d53-8ab0-f00c665149a2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_0b659d5a-f0e8-4c15-9218-8c04749866af" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_cb0053b8-71f5-4d53-8ab0-f00c665149a2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_21b5febe-2d99-46a9-9dd3-ef5b1235dbaf" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_0b659d5a-f0e8-4c15-9218-8c04749866af" xlink:to="loc_us-gaap_AdditionalPaidInCapital_21b5febe-2d99-46a9-9dd3-ef5b1235dbaf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_efee8b0e-ce77-437f-ae34-f9dd0801ee2c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_0b659d5a-f0e8-4c15-9218-8c04749866af" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_efee8b0e-ce77-437f-ae34-f9dd0801ee2c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_103d3e69-ec2c-4f04-8c7b-33b91df77fcf" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommonStockValue"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_0b659d5a-f0e8-4c15-9218-8c04749866af" xlink:to="loc_us-gaap_CommonStockValue_103d3e69-ec2c-4f04-8c7b-33b91df77fcf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonValue_9c639587-1b72-4c58-b4fe-ce2a12d78ba1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TreasuryStockCommonValue"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_0b659d5a-f0e8-4c15-9218-8c04749866af" xlink:to="loc_us-gaap_TreasuryStockCommonValue_9c639587-1b72-4c58-b4fe-ce2a12d78ba1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsCurrent_eac2d452-51f7-4d25-a073-d2fbf86572b1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AssetsCurrent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsAssetsCurrent_11cea492-98a5-49d9-bdb4-634344668ac1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DepositsAssetsCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_eac2d452-51f7-4d25-a073-d2fbf86572b1" xlink:to="loc_us-gaap_DepositsAssetsCurrent_11cea492-98a5-49d9-bdb4-634344668ac1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_NonInsurancePerformanceYearReceivableCurrent_faf19284-ded0-439d-9846-9817195de891" xlink:href="clov-20220630.xsd#clov_NonInsurancePerformanceYearReceivableCurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_eac2d452-51f7-4d25-a073-d2fbf86572b1" xlink:to="loc_clov_NonInsurancePerformanceYearReceivableCurrent_faf19284-ded0-439d-9846-9817195de891" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidExpenseCurrent_35657e3d-e247-47bc-9428-d6e696dee400" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PrepaidExpenseCurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_eac2d452-51f7-4d25-a073-d2fbf86572b1" xlink:to="loc_us-gaap_PrepaidExpenseCurrent_35657e3d-e247-47bc-9428-d6e696dee400" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesFromCustomers_367e7553-2eeb-434b-ad15-90eb175f5ef2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReceivablesFromCustomers"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_eac2d452-51f7-4d25-a073-d2fbf86572b1" xlink:to="loc_us-gaap_ReceivablesFromCustomers_367e7553-2eeb-434b-ad15-90eb175f5ef2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_AccruedRetrospectivePremiumsCurrent_34931a72-975d-4935-aabf-040aec1e0180" xlink:href="clov-20220630.xsd#clov_AccruedRetrospectivePremiumsCurrent"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_eac2d452-51f7-4d25-a073-d2fbf86572b1" xlink:to="loc_clov_AccruedRetrospectivePremiumsCurrent_34931a72-975d-4935-aabf-040aec1e0180" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherShortTermInvestments_2bcf371c-ad35-4918-ba9f-9be9276e15da" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherShortTermInvestments"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_eac2d452-51f7-4d25-a073-d2fbf86572b1" xlink:to="loc_us-gaap_OtherShortTermInvestments_2bcf371c-ad35-4918-ba9f-9be9276e15da" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesCurrent_7b78da92-c363-4cdc-a894-0e17b4d31252" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesCurrent"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_eac2d452-51f7-4d25-a073-d2fbf86572b1" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesCurrent_7b78da92-c363-4cdc-a894-0e17b4d31252" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherReceivables_a7cc7505-0d8a-4477-95a0-7752b60b14cd" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherReceivables"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_eac2d452-51f7-4d25-a073-d2fbf86572b1" xlink:to="loc_us-gaap_OtherReceivables_a7cc7505-0d8a-4477-95a0-7752b60b14cd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_12908663-73a4-4d58-8d0e-586e41e9bcea" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_eac2d452-51f7-4d25-a073-d2fbf86572b1" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_12908663-73a4-4d58-8d0e-586e41e9bcea" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsCurrent_b50a52e7-336b-417c-9c85-aa23a2757e69" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherAssetsCurrent"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_eac2d452-51f7-4d25-a073-d2fbf86572b1" xlink:to="loc_us-gaap_OtherAssetsCurrent_b50a52e7-336b-417c-9c85-aa23a2757e69" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecuritiesCurrent_565def40-b591-486b-854d-1f3349cd3a49" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecuritiesCurrent"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_eac2d452-51f7-4d25-a073-d2fbf86572b1" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecuritiesCurrent_565def40-b591-486b-854d-1f3349cd3a49" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_23b2298a-ac99-48fb-8ebc-0f047b1c757b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesNoncurrent_1ba5e0c2-44a6-4e9e-b877-542d6e7a0885" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesNoncurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_23b2298a-ac99-48fb-8ebc-0f047b1c757b" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesNoncurrent_1ba5e0c2-44a6-4e9e-b877-542d6e7a0885" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_0434feaa-063e-49b7-bfe4-3226bfacb863" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IntangibleAssetsNetIncludingGoodwill"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_23b2298a-ac99-48fb-8ebc-0f047b1c757b" xlink:to="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_0434feaa-063e-49b7-bfe4-3226bfacb863" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecuritiesNoncurrent_1770e54e-dc5b-476d-88bf-af06ce0be624" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecuritiesNoncurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_23b2298a-ac99-48fb-8ebc-0f047b1c757b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecuritiesNoncurrent_1770e54e-dc5b-476d-88bf-af06ce0be624" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset_f2211bc9-41a5-4405-b9f8-986fe959b480" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OperatingLeaseRightOfUseAsset"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_23b2298a-ac99-48fb-8ebc-0f047b1c757b" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAsset_f2211bc9-41a5-4405-b9f8-986fe959b480" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestments_b0e14c9e-9e18-417b-b915-cde2caf88088" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EquityMethodInvestments"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_23b2298a-ac99-48fb-8ebc-0f047b1c757b" xlink:to="loc_us-gaap_EquityMethodInvestments_b0e14c9e-9e18-417b-b915-cde2caf88088" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_34953962-425c-490d-a53d-feb3bd30c89d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_23b2298a-ac99-48fb-8ebc-0f047b1c757b" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_34953962-425c-490d-a53d-feb3bd30c89d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsNoncurrent_f3c22c72-e07b-4bc7-abd5-62727cdd7de0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherAssetsNoncurrent"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_23b2298a-ac99-48fb-8ebc-0f047b1c757b" xlink:to="loc_us-gaap_OtherAssetsNoncurrent_f3c22c72-e07b-4bc7-abd5-62727cdd7de0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsCurrent_e6113635-61d6-4ae6-aa07-4105646f808e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AssetsCurrent"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_23b2298a-ac99-48fb-8ebc-0f047b1c757b" xlink:to="loc_us-gaap_AssetsCurrent_e6113635-61d6-4ae6-aa07-4105646f808e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesCurrent_46d69327-1f59-4f86-91f1-0384e0af0a21" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilitiesCurrent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForFuturePolicyBenefits_86c165d8-cba6-4833-bf30-4806a69f9cf3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilityForFuturePolicyBenefits"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_46d69327-1f59-4f86-91f1-0384e0af0a21" xlink:to="loc_us-gaap_LiabilityForFuturePolicyBenefits_86c165d8-cba6-4833-bf30-4806a69f9cf3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssumedLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense_14ae3011-78a0-4b9a-83af-f4501c798e58" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AssumedLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_46d69327-1f59-4f86-91f1-0384e0af0a21" xlink:to="loc_us-gaap_AssumedLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense_14ae3011-78a0-4b9a-83af-f4501c798e58" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrent_4c8fa782-c189-46a5-bb40-e2086abd902a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesCurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_46d69327-1f59-4f86-91f1-0384e0af0a21" xlink:to="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrent_4c8fa782-c189-46a5-bb40-e2086abd902a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_NonInsurancePayableCurrent_fecc4655-33c8-4a8c-bdc3-ef09004e13d0" xlink:href="clov-20220630.xsd#clov_NonInsurancePayableCurrent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_46d69327-1f59-4f86-91f1-0384e0af0a21" xlink:to="loc_clov_NonInsurancePayableCurrent_fecc4655-33c8-4a8c-bdc3-ef09004e13d0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_NonInsurancePerformanceYearObligationCurrent_b394efb4-bec4-4f3a-8b6f-a92c468977cf" xlink:href="clov-20220630.xsd#clov_NonInsurancePerformanceYearObligationCurrent"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_46d69327-1f59-4f86-91f1-0384e0af0a21" xlink:to="loc_clov_NonInsurancePerformanceYearObligationCurrent_b394efb4-bec4-4f3a-8b6f-a92c468977cf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedSalariesCurrentAndNoncurrent_98ce8900-fa0b-4efb-b594-2f870bb1b268" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccruedSalariesCurrentAndNoncurrent"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_46d69327-1f59-4f86-91f1-0384e0af0a21" xlink:to="loc_us-gaap_AccruedSalariesCurrentAndNoncurrent_98ce8900-fa0b-4efb-b594-2f870bb1b268" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DueToRelatedPartiesCurrent_f2e231f8-7776-48b3-9be1-d4e93c33ce5e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DueToRelatedPartiesCurrent"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_46d69327-1f59-4f86-91f1-0384e0af0a21" xlink:to="loc_us-gaap_DueToRelatedPartiesCurrent_f2e231f8-7776-48b3-9be1-d4e93c33ce5e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilitiesCurrent_f6ab57b7-af2c-4f1d-aa74-7b1268a5180b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherLiabilitiesCurrent"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_46d69327-1f59-4f86-91f1-0384e0af0a21" xlink:to="loc_us-gaap_OtherLiabilitiesCurrent_f6ab57b7-af2c-4f1d-aa74-7b1268a5180b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiabilityCurrent_ecc0419d-454e-40d9-8814-c679a7ea9ece" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OperatingLeaseLiabilityCurrent"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_46d69327-1f59-4f86-91f1-0384e0af0a21" xlink:to="loc_us-gaap_OperatingLeaseLiabilityCurrent_ecc0419d-454e-40d9-8814-c679a7ea9ece" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_c3917b53-5efb-43de-87d3-2cd9f6e8e199" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_fc94e62f-0e61-46af-acde-7477da72d1b0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_c3917b53-5efb-43de-87d3-2cd9f6e8e199" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_fc94e62f-0e61-46af-acde-7477da72d1b0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_9bb33888-aa62-4acc-a2a9-2107c00534b0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_c3917b53-5efb-43de-87d3-2cd9f6e8e199" xlink:to="loc_us-gaap_Liabilities_9bb33888-aa62-4acc-a2a9-2107c00534b0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_a1390f4e-2a96-4ad8-9355-19a603b772c2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_c3917b53-5efb-43de-87d3-2cd9f6e8e199" xlink:to="loc_us-gaap_CommitmentsAndContingencies_a1390f4e-2a96-4ad8-9355-19a603b772c2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_23e9105c-7f1f-4517-b490-8978765b3d60" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesCurrent_1b4c282a-d9d9-43b2-9166-b9fb659d0f1c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilitiesCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_23e9105c-7f1f-4517-b490-8978765b3d60" xlink:to="loc_us-gaap_LiabilitiesCurrent_1b4c282a-d9d9-43b2-9166-b9fb659d0f1c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiabilityNoncurrent_29a84abd-07af-445d-9dc5-228591e43994" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OperatingLeaseLiabilityNoncurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_23e9105c-7f1f-4517-b490-8978765b3d60" xlink:to="loc_us-gaap_OperatingLeaseLiabilityNoncurrent_29a84abd-07af-445d-9dc5-228591e43994" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtNoncurrent_1228a43d-c8e9-4faf-b59d-7c7470c12bff" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LongTermDebtNoncurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_23e9105c-7f1f-4517-b490-8978765b3d60" xlink:to="loc_us-gaap_LongTermDebtNoncurrent_1228a43d-c8e9-4faf-b59d-7c7470c12bff" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilitiesNoncurrent_0c3d2e6f-6f1d-4287-b6f9-948fee204735" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherLiabilitiesNoncurrent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_23e9105c-7f1f-4517-b490-8978765b3d60" xlink:to="loc_us-gaap_OtherLiabilitiesNoncurrent_0c3d2e6f-6f1d-4287-b6f9-948fee204735" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_384edbe7-d333-4049-9478-6ddbeb4fdac1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_0046cb76-3c23-4aac-8f02-8d9aa887faad" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockholdersEquity"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_384edbe7-d333-4049-9478-6ddbeb4fdac1" xlink:to="loc_us-gaap_StockholdersEquity_0046cb76-3c23-4aac-8f02-8d9aa887faad" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterest_5d3642e0-dc9b-4cab-8f36-70fcf03bf4b0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MinorityInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_384edbe7-d333-4049-9478-6ddbeb4fdac1" xlink:to="loc_us-gaap_MinorityInterest_5d3642e0-dc9b-4cab-8f36-70fcf03bf4b0" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.cloverhealth/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVELOSSUnaudited" xlink:type="simple" xlink:href="clov-20220630.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVELOSSUnaudited"/>
  <link:calculationLink xlink:role="http://www.cloverhealth/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVELOSSUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_2f486ad5-2181-49ee-9b21-ff522b6a1063" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfFinancingCostsAndDiscounts_c3215ecc-2178-4fd4-b68c-4975c3deafc1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AmortizationOfFinancingCostsAndDiscounts"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_2f486ad5-2181-49ee-9b21-ff522b6a1063" xlink:to="loc_us-gaap_AmortizationOfFinancingCostsAndDiscounts_c3215ecc-2178-4fd4-b68c-4975c3deafc1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnInvestments_fc538210-9980-4866-a555-5215e0989f08" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_GainLossOnInvestments"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_2f486ad5-2181-49ee-9b21-ff522b6a1063" xlink:to="loc_us-gaap_GainLossOnInvestments_fc538210-9980-4866-a555-5215e0989f08" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_10f76cd6-e91c-479f-b46a-99a09a4dd223" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestExpense"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_2f486ad5-2181-49ee-9b21-ff522b6a1063" xlink:to="loc_us-gaap_InterestExpense_10f76cd6-e91c-479f-b46a-99a09a4dd223" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAdjustmentOfWarrants_5e7e8724-babc-4139-b0d0-95108f02a143" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueAdjustmentOfWarrants"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_2f486ad5-2181-49ee-9b21-ff522b6a1063" xlink:to="loc_us-gaap_FairValueAdjustmentOfWarrants_5e7e8724-babc-4139-b0d0-95108f02a143" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_dae94ba0-6905-444d-828f-5dcc1e4f181c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OperatingIncomeLoss"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_2f486ad5-2181-49ee-9b21-ff522b6a1063" xlink:to="loc_us-gaap_OperatingIncomeLoss_dae94ba0-6905-444d-828f-5dcc1e4f181c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_5083cbb7-8816-45a8-9c68-25c13146d0bf" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Revenues"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueNotFromContractWithCustomerOther_2a3e8180-bacc-4704-a590-7a52f0713c2f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RevenueNotFromContractWithCustomerOther"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_5083cbb7-8816-45a8-9c68-25c13146d0bf" xlink:to="loc_us-gaap_RevenueNotFromContractWithCustomerOther_2a3e8180-bacc-4704-a590-7a52f0713c2f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueNotFromContractWithCustomer_f42c092f-ac10-4bf1-b0d4-e67d1782417b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RevenueNotFromContractWithCustomer"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_5083cbb7-8816-45a8-9c68-25c13146d0bf" xlink:to="loc_us-gaap_RevenueNotFromContractWithCustomer_f42c092f-ac10-4bf1-b0d4-e67d1782417b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsEarnedNet_6b2eabe1-6d84-41cc-87ed-d9a10d262ce8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PremiumsEarnedNet"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_5083cbb7-8816-45a8-9c68-25c13146d0bf" xlink:to="loc_us-gaap_PremiumsEarnedNet_6b2eabe1-6d84-41cc-87ed-d9a10d262ce8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_861fd2c8-7d99-4867-b315-355530ff125e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OperatingIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_450ca736-933a-473e-a480-a47457b27d1f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OperatingExpenses"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingIncomeLoss_861fd2c8-7d99-4867-b315-355530ff125e" xlink:to="loc_us-gaap_OperatingExpenses_450ca736-933a-473e-a480-a47457b27d1f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_bfcbcb97-5e50-412d-9ba2-50a502dcf18e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Revenues"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingIncomeLoss_861fd2c8-7d99-4867-b315-355530ff125e" xlink:to="loc_us-gaap_Revenues_bfcbcb97-5e50-412d-9ba2-50a502dcf18e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_350f2278-9ae8-40fc-ab9e-8611c458c764" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_1b79c251-58f1-4f14-8026-ffdd0aee0647" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_350f2278-9ae8-40fc-ab9e-8611c458c764" xlink:to="loc_us-gaap_NetIncomeLoss_1b79c251-58f1-4f14-8026-ffdd0aee0647" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_8a6943a5-31e4-40de-8404-a88cfe56c8ed" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_350f2278-9ae8-40fc-ab9e-8611c458c764" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_8a6943a5-31e4-40de-8404-a88cfe56c8ed" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_33cfdda1-d7df-4403-a1d8-dfc1d43bb548" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OperatingExpenses"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense_aa9038df-60d3-454d-8d20-37184c1b381a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_GeneralAndAdministrativeExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_33cfdda1-d7df-4403-a1d8-dfc1d43bb548" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpense_aa9038df-60d3-454d-8d20-37184c1b381a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationAndAmortization_b2c1187a-2a60-41c5-9311-9c5ab6408c2f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DepreciationAndAmortization"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_33cfdda1-d7df-4403-a1d8-dfc1d43bb548" xlink:to="loc_us-gaap_DepreciationAndAmortization_b2c1187a-2a60-41c5-9311-9c5ab6408c2f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_PremiumDeficiencyTestingExpenseBenefitLongDurationContractAmount_a50d9085-ed49-470d-9214-1fc010a9592c" xlink:href="clov-20220630.xsd#clov_PremiumDeficiencyTestingExpenseBenefitLongDurationContractAmount"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_33cfdda1-d7df-4403-a1d8-dfc1d43bb548" xlink:to="loc_clov_PremiumDeficiencyTestingExpenseBenefitLongDurationContractAmount_a50d9085-ed49-470d-9214-1fc010a9592c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherGeneralExpense_41399990-f317-4ad5-80e0-d9c96de785db" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherGeneralExpense"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_33cfdda1-d7df-4403-a1d8-dfc1d43bb548" xlink:to="loc_us-gaap_OtherGeneralExpense_41399990-f317-4ad5-80e0-d9c96de785db" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_622df3bd-8041-42ea-af23-569e06c5277b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredNet"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_33cfdda1-d7df-4403-a1d8-dfc1d43bb548" xlink:to="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_622df3bd-8041-42ea-af23-569e06c5277b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_e42be56b-f745-4d52-8cc4-8337963c5e40" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_33cfdda1-d7df-4403-a1d8-dfc1d43bb548" xlink:to="loc_us-gaap_LaborAndRelatedExpense_e42be56b-f745-4d52-8cc4-8337963c5e40" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.cloverhealth/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWSUnaudited" xlink:type="simple" xlink:href="clov-20220630.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWSUnaudited"/>
  <link:calculationLink xlink:role="http://www.cloverhealth/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWSUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationAndAmortization_4b1bb7e6-148d-4976-93f6-184c4101bcba" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DepreciationAndAmortization"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_us-gaap_DepreciationAndAmortization_4b1bb7e6-148d-4976-93f6-184c4101bcba" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedSalaries_d872c1f9-9d1e-4cfc-969b-dc9d65f18649" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInAccruedSalaries"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedSalaries_d872c1f9-9d1e-4cfc-969b-dc9d65f18649" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingLeaseLiability_29955853-f24f-4c56-a56a-071a145a9f0c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInOperatingLeaseLiability"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_us-gaap_IncreaseDecreaseInOperatingLeaseLiability_29955853-f24f-4c56-a56a-071a145a9f0c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_IncreaseDecreaseInFairValueAdjustmentOfWarrants_dd8adee3-88db-4af7-a467-f16c81c5458f" xlink:href="clov-20220630.xsd#clov_IncreaseDecreaseInFairValueAdjustmentOfWarrants"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_clov_IncreaseDecreaseInFairValueAdjustmentOfWarrants_dd8adee3-88db-4af7-a467-f16c81c5458f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationAmortizationAndAccretionNet_f6bf8f34-0e2b-414c-b260-e39e5cf2c7fc" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DepreciationAmortizationAndAccretionNet"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_us-gaap_DepreciationAmortizationAndAccretionNet_f6bf8f34-0e2b-414c-b260-e39e5cf2c7fc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities_12c2ad47-0b61-4441-9f7a-3bbe86dd48b0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities_12c2ad47-0b61-4441-9f7a-3bbe86dd48b0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_RealizedInvestmentLossesGains_ccee7ca6-4257-439a-8009-bb35a2431492" xlink:href="clov-20220630.xsd#clov_RealizedInvestmentLossesGains"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_clov_RealizedInvestmentLossesGains_ccee7ca6-4257-439a-8009-bb35a2431492" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_8db76d13-2374-4ada-b4b2-b3e6233bd50b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ProfitLoss"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_us-gaap_ProfitLoss_8db76d13-2374-4ada-b4b2-b3e6233bd50b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnInvestments_797a3bfb-3ff6-4ff3-a79a-9c7c92659172" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_GainLossOnInvestments"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_us-gaap_GainLossOnInvestments_797a3bfb-3ff6-4ff3-a79a-9c7c92659172" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDepositOtherAssets_b3b31189-d6c6-43b8-a900-1cc5a6b7d86d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInDepositOtherAssets"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_us-gaap_IncreaseDecreaseInDepositOtherAssets_b3b31189-d6c6-43b8-a900-1cc5a6b7d86d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInPrepaidExpense_df122bcc-4d12-4e1c-a0ad-55f3fef0afb4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInPrepaidExpense"/>
    <link:calculationArc order="11" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_us-gaap_IncreaseDecreaseInPrepaidExpense_df122bcc-4d12-4e1c-a0ad-55f3fef0afb4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_PremiumDeficiencyTestingExpenseBenefitLongDurationContractAmount_3d4a01cf-d3e7-4ce5-b15c-2f0662f1fcf9" xlink:href="clov-20220630.xsd#clov_PremiumDeficiencyTestingExpenseBenefitLongDurationContractAmount"/>
    <link:calculationArc order="12" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_clov_PremiumDeficiencyTestingExpenseBenefitLongDurationContractAmount_3d4a01cf-d3e7-4ce5-b15c-2f0662f1fcf9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_IncreaseDecreaseInNonInsurancePayable_357d3ba7-e77a-4acf-8e51-f77f4f38e04f" xlink:href="clov-20220630.xsd#clov_IncreaseDecreaseInNonInsurancePayable"/>
    <link:calculationArc order="13" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_clov_IncreaseDecreaseInNonInsurancePayable_357d3ba7-e77a-4acf-8e51-f77f4f38e04f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_e56d55ce-cb0f-4341-b417-be75fe1565d5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensation"/>
    <link:calculationArc order="14" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_us-gaap_ShareBasedCompensation_e56d55ce-cb0f-4341-b417-be75fe1565d5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfFinancingCostsAndDiscounts_c73857dd-e1d2-4e97-b529-aa192363c292" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AmortizationOfFinancingCostsAndDiscounts"/>
    <link:calculationArc order="15" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_us-gaap_AmortizationOfFinancingCostsAndDiscounts_c73857dd-e1d2-4e97-b529-aa192363c292" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_IncreaseDecreaseInUnpaidClaims_7406af0e-7a0a-402e-84ed-58118fcad057" xlink:href="clov-20220630.xsd#clov_IncreaseDecreaseInUnpaidClaims"/>
    <link:calculationArc order="16" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_clov_IncreaseDecreaseInUnpaidClaims_7406af0e-7a0a-402e-84ed-58118fcad057" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_IncreaseDecreaseInPerformanceYearReceivable_50583ed4-c7b4-41f6-9c93-31bee944ec45" xlink:href="clov-20220630.xsd#clov_IncreaseDecreaseInPerformanceYearReceivable"/>
    <link:calculationArc order="17" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_clov_IncreaseDecreaseInPerformanceYearReceivable_50583ed4-c7b4-41f6-9c93-31bee944ec45" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_IncreaseDecreaseInOperatingLeaseRightOfUseAssets_fbe9c2e5-904d-43db-95e7-61fb0089ef13" xlink:href="clov-20220630.xsd#clov_IncreaseDecreaseInOperatingLeaseRightOfUseAssets"/>
    <link:calculationArc order="18" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_clov_IncreaseDecreaseInOperatingLeaseRightOfUseAssets_fbe9c2e5-904d-43db-95e7-61fb0089ef13" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherReceivables_cc558baa-883f-4d8c-99ac-8c312a1a69ba" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInOtherReceivables"/>
    <link:calculationArc order="19" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherReceivables_cc558baa-883f-4d8c-99ac-8c312a1a69ba" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_7d5ef25b-065a-4a9d-9d25-fc993d018a1a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable"/>
    <link:calculationArc order="20" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_7d5ef25b-065a-4a9d-9d25-fc993d018a1a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInUnearnedPremiums_7ddbfa7b-1139-440a-bd39-de7e4d370a45" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInUnearnedPremiums"/>
    <link:calculationArc order="21" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_us-gaap_IncreaseDecreaseInUnearnedPremiums_7ddbfa7b-1139-440a-bd39-de7e4d370a45" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_175b8155-3f5c-4039-85e3-b5bc88278a09" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:calculationArc order="22" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_175b8155-3f5c-4039-85e3-b5bc88278a09" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherNoncurrentLiabilities_f9d94304-573b-4181-9184-3f45dea02b57" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInOtherNoncurrentLiabilities"/>
    <link:calculationArc order="23" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherNoncurrentLiabilities_f9d94304-573b-4181-9184-3f45dea02b57" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_IncreaseDecreaseInPerformanceYearObligation_5bb1641c-f077-4d1c-b612-7deac6629563" xlink:href="clov-20220630.xsd#clov_IncreaseDecreaseInPerformanceYearObligation"/>
    <link:calculationArc order="24" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ad334120-d718-4344-b832-168e04b56b59" xlink:to="loc_clov_IncreaseDecreaseInPerformanceYearObligation_5bb1641c-f077-4d1c-b612-7deac6629563" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_294c12ec-3842-4c8f-8069-548b545887c0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireInvestments_a9427c89-0a88-4383-80c9-d5cd5d74ad35" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PaymentsToAcquireInvestments"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_294c12ec-3842-4c8f-8069-548b545887c0" xlink:to="loc_us-gaap_PaymentsToAcquireInvestments_a9427c89-0a88-4383-80c9-d5cd5d74ad35" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_ProceedsFromSaleOfShortTermInvestmentsAndAvailableForSaleSecurities_a0f0da37-a93f-4f15-b927-341f8f4d65ba" xlink:href="clov-20220630.xsd#clov_ProceedsFromSaleOfShortTermInvestmentsAndAvailableForSaleSecurities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_294c12ec-3842-4c8f-8069-548b545887c0" xlink:to="loc_clov_ProceedsFromSaleOfShortTermInvestmentsAndAvailableForSaleSecurities_a0f0da37-a93f-4f15-b927-341f8f4d65ba" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_79461733-1700-4971-b020-9aad4412ff26" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_294c12ec-3842-4c8f-8069-548b545887c0" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_79461733-1700-4971-b020-9aad4412ff26" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_ProceedsFromMaturityOfShortTermInvestmentsAndDebtSecuritiesAvailableForSaleAndHeldToMaturity_937a337c-f0da-45df-bf74-b2c74b77209e" xlink:href="clov-20220630.xsd#clov_ProceedsFromMaturityOfShortTermInvestmentsAndDebtSecuritiesAvailableForSaleAndHeldToMaturity"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_294c12ec-3842-4c8f-8069-548b545887c0" xlink:to="loc_clov_ProceedsFromMaturityOfShortTermInvestmentsAndDebtSecuritiesAvailableForSaleAndHeldToMaturity_937a337c-f0da-45df-bf74-b2c74b77209e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates_a5b28a2e-74fb-4acb-a1ee-3a5dff9330ab" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_294c12ec-3842-4c8f-8069-548b545887c0" xlink:to="loc_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates_a5b28a2e-74fb-4acb-a1ee-3a5dff9330ab" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_4a099ecd-6d07-4081-853a-d7382fe344f7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_c0892805-0027-4246-8fe9-d044e76a226b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_4a099ecd-6d07-4081-853a-d7382fe344f7" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_c0892805-0027-4246-8fe9-d044e76a226b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_2f2225a9-4c35-4c1c-8b22-12857dcfbf7c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_4a099ecd-6d07-4081-853a-d7382fe344f7" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_2f2225a9-4c35-4c1c-8b22-12857dcfbf7c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_5f9927fe-bcc7-42db-a54b-0b5fbb55dffe" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_4a099ecd-6d07-4081-853a-d7382fe344f7" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_5f9927fe-bcc7-42db-a54b-0b5fbb55dffe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_e2fecb9e-0931-4987-acd7-d960087f8ef5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfNotesPayable_307edef1-abd1-4d71-a48f-6afd5cf844bc" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RepaymentsOfNotesPayable"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_e2fecb9e-0931-4987-acd7-d960087f8ef5" xlink:to="loc_us-gaap_RepaymentsOfNotesPayable_307edef1-abd1-4d71-a48f-6afd5cf844bc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_ProceedsFromIssuanceOfCommonStockNetOfEarlyExerciseLiability_e15ed032-8fad-4500-a7a6-2fa4a20928b0" xlink:href="clov-20220630.xsd#clov_ProceedsFromIssuanceOfCommonStockNetOfEarlyExerciseLiability"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_e2fecb9e-0931-4987-acd7-d960087f8ef5" xlink:to="loc_clov_ProceedsFromIssuanceOfCommonStockNetOfEarlyExerciseLiability_e15ed032-8fad-4500-a7a6-2fa4a20928b0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_ProceedsFromReverseCapitalizationNetOfTransactionCosts_9f352b07-0df5-45ac-a6f4-0a7586724555" xlink:href="clov-20220630.xsd#clov_ProceedsFromReverseCapitalizationNetOfTransactionCosts"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_e2fecb9e-0931-4987-acd7-d960087f8ef5" xlink:to="loc_clov_ProceedsFromReverseCapitalizationNetOfTransactionCosts_9f352b07-0df5-45ac-a6f4-0a7586724555" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_05743ca6-287b-4bb7-b2ff-2660e59ee07e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_e2fecb9e-0931-4987-acd7-d960087f8ef5" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_05743ca6-287b-4bb7-b2ff-2660e59ee07e" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.cloverhealth/role/InvestmentSecuritiesScheduleofPresentCostorAmortizedCostandFairValuesofInvestmentsDetails" xlink:type="simple" xlink:href="clov-20220630.xsd#InvestmentSecuritiesScheduleofPresentCostorAmortizedCostandFairValuesofInvestmentsDetails"/>
  <link:calculationLink xlink:role="http://www.cloverhealth/role/InvestmentSecuritiesScheduleofPresentCostorAmortizedCostandFairValuesofInvestmentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_6bc66d41-806b-4695-aa03-079d486b1cc1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Investments"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecurities_0b72308a-e737-4501-94f2-b76521fef5e0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecurities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_6bc66d41-806b-4695-aa03-079d486b1cc1" xlink:to="loc_us-gaap_HeldToMaturitySecurities_0b72308a-e737-4501-94f2-b76521fef5e0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_cd7f7f81-a633-40b9-a818-44d8e6a963f5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_6bc66d41-806b-4695-aa03-079d486b1cc1" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_cd7f7f81-a633-40b9-a818-44d8e6a963f5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax_4ba4f113-626b-4b4c-abdc-4064cc7618f8" xlink:href="clov-20220630.xsd#clov_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_50c18264-e758-4f1a-8d7c-05c4ad7786b9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_clov_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax_4ba4f113-626b-4b4c-abdc-4064cc7618f8" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_50c18264-e758-4f1a-8d7c-05c4ad7786b9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_eabf42cd-22fb-41f5-a4f7-6f1d750431f1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_clov_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax_4ba4f113-626b-4b4c-abdc-4064cc7618f8" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_eabf42cd-22fb-41f5-a4f7-6f1d750431f1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax_9a38ee7c-12a1-4741-b70c-ce152a48c2dc" xlink:href="clov-20220630.xsd#clov_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_ef8d8db9-8c8b-4d9e-8d59-7cfd8e132dbf" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_clov_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax_9a38ee7c-12a1-4741-b70c-ce152a48c2dc" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_ef8d8db9-8c8b-4d9e-8d59-7cfd8e132dbf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_9fac4011-e237-4c3c-8956-aaa0b694bd73" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_clov_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax_9a38ee7c-12a1-4741-b70c-ce152a48c2dc" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_9fac4011-e237-4c3c-8956-aaa0b694bd73" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecurities_44f5ef09-0502-4183-858d-d405091e68bd" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecurities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_05a6f747-7efc-49a4-a3e4-3488c594e122" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_44f5ef09-0502-4183-858d-d405091e68bd" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_05a6f747-7efc-49a4-a3e4-3488c594e122" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_5a940838-44b2-4a4c-8664-62e2ad079edf" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_44f5ef09-0502-4183-858d-d405091e68bd" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_5a940838-44b2-4a4c-8664-62e2ad079edf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_9afd14ac-7494-44dc-838f-522d3f18cce3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_44f5ef09-0502-4183-858d-d405091e68bd" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_9afd14ac-7494-44dc-838f-522d3f18cce3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_c480c34a-c8dd-40e5-948b-b92bee6b2bbc" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_ec61cfb7-a273-48a1-a59c-3be3a711ba9a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_c480c34a-c8dd-40e5-948b-b92bee6b2bbc" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_ec61cfb7-a273-48a1-a59c-3be3a711ba9a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_28645f63-b509-4306-992c-62ffd074a6aa" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_c480c34a-c8dd-40e5-948b-b92bee6b2bbc" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_28645f63-b509-4306-992c-62ffd074a6aa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_e62f15f7-ea08-4e55-81fc-b4e2a0d183e6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_c480c34a-c8dd-40e5-948b-b92bee6b2bbc" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_e62f15f7-ea08-4e55-81fc-b4e2a0d183e6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsFairValueDisclosure_09b9a7a0-2b69-4ce5-9842-347ffaca992c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InvestmentsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_e04af6e0-3019-41e0-88f9-17d7926bdbd8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InvestmentsFairValueDisclosure_09b9a7a0-2b69-4ce5-9842-347ffaca992c" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_e04af6e0-3019-41e0-88f9-17d7926bdbd8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_8d36f55d-726f-4b82-9201-4a1a84fbf40d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InvestmentsFairValueDisclosure_09b9a7a0-2b69-4ce5-9842-347ffaca992c" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_8d36f55d-726f-4b82-9201-4a1a84fbf40d" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.cloverhealth/role/InvestmentSecuritiesScheduleofPresentCostorAmortizedCostandFairValuesofInvestmentsDetails_1" xlink:type="simple" xlink:href="clov-20220630.xsd#InvestmentSecuritiesScheduleofPresentCostorAmortizedCostandFairValuesofInvestmentsDetails_1"/>
  <link:calculationLink xlink:role="http://www.cloverhealth/role/InvestmentSecuritiesScheduleofPresentCostorAmortizedCostandFairValuesofInvestmentsDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_f57eae1b-5e8d-486b-b352-99224f526ff4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Investments"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax_9629b947-b0f9-4cfc-92cc-e57f2c244f6b" xlink:href="clov-20220630.xsd#clov_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_f57eae1b-5e8d-486b-b352-99224f526ff4" xlink:to="loc_clov_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax_9629b947-b0f9-4cfc-92cc-e57f2c244f6b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax_3fafd0e2-b928-4c07-ae8a-7c1b8f337941" xlink:href="clov-20220630.xsd#clov_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_f57eae1b-5e8d-486b-b352-99224f526ff4" xlink:to="loc_clov_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAccumulatedGrossUnrealizedLossBeforeTax_3fafd0e2-b928-4c07-ae8a-7c1b8f337941" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsFairValueDisclosure_bcc575c3-96b7-4434-b9fa-d2f3a590c625" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InvestmentsFairValueDisclosure"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_f57eae1b-5e8d-486b-b352-99224f526ff4" xlink:to="loc_us-gaap_InvestmentsFairValueDisclosure_bcc575c3-96b7-4434-b9fa-d2f3a590c625" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.cloverhealth/role/InvestmentSecuritiesScheduleofAmortizedCostandFairValueofDebtSecuritiesDetails" xlink:type="simple" xlink:href="clov-20220630.xsd#InvestmentSecuritiesScheduleofAmortizedCostandFairValueofDebtSecuritiesDetails"/>
  <link:calculationLink xlink:role="http://www.cloverhealth/role/InvestmentSecuritiesScheduleofAmortizedCostandFairValueofDebtSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecurities_fe3e7c99-6c45-40b7-95cc-3240a3bb3639" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecurities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount_65dfa124-8c22-4d98-bbf8-aea7979febe5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_fe3e7c99-6c45-40b7-95cc-3240a3bb3639" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount_65dfa124-8c22-4d98-bbf8-aea7979febe5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount_d9b25701-a9c8-4a47-865c-9c44e9517bce" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_fe3e7c99-6c45-40b7-95cc-3240a3bb3639" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount_d9b25701-a9c8-4a47-865c-9c44e9517bce" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount_7c06be1d-f31a-4be8-b2c1-3b46236aa94f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_fe3e7c99-6c45-40b7-95cc-3240a3bb3639" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount_7c06be1d-f31a-4be8-b2c1-3b46236aa94f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount_085ac0ef-a298-4a2e-8795-1c529f622952" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_fe3e7c99-6c45-40b7-95cc-3240a3bb3639" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount_085ac0ef-a298-4a2e-8795-1c529f622952" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_b022ec8e-e2d6-4ab5-b732-fcca5530794f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_94891222-c58e-4e79-b437-18d152569e79" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_b022ec8e-e2d6-4ab5-b732-fcca5530794f" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_94891222-c58e-4e79-b437-18d152569e79" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_79d4781c-2070-42f5-9613-fcfc0e0489a4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_b022ec8e-e2d6-4ab5-b732-fcca5530794f" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_79d4781c-2070-42f5-9613-fcfc0e0489a4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_378ee1fc-c174-462b-b16e-7f44790bdd43" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_b022ec8e-e2d6-4ab5-b732-fcca5530794f" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_378ee1fc-c174-462b-b16e-7f44790bdd43" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_3eb7fdce-9460-4502-9eff-805905b72032" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_b022ec8e-e2d6-4ab5-b732-fcca5530794f" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_3eb7fdce-9460-4502-9eff-805905b72032" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_4d9dc6f5-8c87-4dd1-85d8-7d06fb3f5c85" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_33e6294a-c535-4179-abbf-d5502b48b9cb" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesFairValue_4d9dc6f5-8c87-4dd1-85d8-7d06fb3f5c85" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_33e6294a-c535-4179-abbf-d5502b48b9cb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_db7f2001-4654-4bde-97fe-58b4c5547461" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesFairValue_4d9dc6f5-8c87-4dd1-85d8-7d06fb3f5c85" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_db7f2001-4654-4bde-97fe-58b4c5547461" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_e10b853a-5a11-4ed8-9142-893b8eb590b7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesFairValue_4d9dc6f5-8c87-4dd1-85d8-7d06fb3f5c85" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_e10b853a-5a11-4ed8-9142-893b8eb590b7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_4b3711e3-278f-4421-ae34-9bfe2a3207a3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesFairValue_4d9dc6f5-8c87-4dd1-85d8-7d06fb3f5c85" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_4b3711e3-278f-4421-ae34-9bfe2a3207a3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_944b4c0d-b6db-4d73-8c2d-4b07a8b97902" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_c9143f3b-4f4d-4426-91fa-9ab392322d4d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_944b4c0d-b6db-4d73-8c2d-4b07a8b97902" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_c9143f3b-4f4d-4426-91fa-9ab392322d4d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_83527215-27e2-4251-b817-062458e13420" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_944b4c0d-b6db-4d73-8c2d-4b07a8b97902" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_83527215-27e2-4251-b817-062458e13420" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_db09c27b-4caf-4525-af26-78642f3b8b99" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_944b4c0d-b6db-4d73-8c2d-4b07a8b97902" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_db09c27b-4caf-4525-af26-78642f3b8b99" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_44397f0b-6d37-4fae-a2f4-f3384bb5021e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_944b4c0d-b6db-4d73-8c2d-4b07a8b97902" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_44397f0b-6d37-4fae-a2f4-f3384bb5021e" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.cloverhealth/role/InvestmentSecuritiesScheduleofGrossUnrealizedLossesandFairValueDetails" xlink:type="simple" xlink:href="clov-20220630.xsd#InvestmentSecuritiesScheduleofGrossUnrealizedLossesandFairValueDetails"/>
  <link:calculationLink xlink:role="http://www.cloverhealth/role/InvestmentSecuritiesScheduleofGrossUnrealizedLossesandFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionAccumulatedLoss_4638f57f-399f-4380-a030-cc2b547d981e" xlink:href="clov-20220630.xsd#clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionAccumulatedLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionYearOneAccumulatedLoss_ffcd38c2-7288-408a-8599-9787b1a6c1dc" xlink:href="clov-20220630.xsd#clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionYearOneAccumulatedLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionAccumulatedLoss_4638f57f-399f-4380-a030-cc2b547d981e" xlink:to="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionYearOneAccumulatedLoss_ffcd38c2-7288-408a-8599-9787b1a6c1dc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_776abeb2-a1b7-4d2f-adf0-895d094276f3" xlink:href="clov-20220630.xsd#clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionAccumulatedLoss_4638f57f-399f-4380-a030-cc2b547d981e" xlink:to="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_776abeb2-a1b7-4d2f-adf0-895d094276f3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPosition_bd28ef59-b695-454b-9f0f-cad6393e55bb" xlink:href="clov-20220630.xsd#clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPosition"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionYearOne_b10a2734-e6f9-466f-93c9-af0bf54163ae" xlink:href="clov-20220630.xsd#clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionYearOne"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPosition_bd28ef59-b695-454b-9f0f-cad6393e55bb" xlink:to="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionYearOne_b10a2734-e6f9-466f-93c9-af0bf54163ae" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger_d054eef4-87d9-4cea-8d52-140084d71b4b" xlink:href="clov-20220630.xsd#clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPosition_bd28ef59-b695-454b-9f0f-cad6393e55bb" xlink:to="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger_d054eef4-87d9-4cea-8d52-140084d71b4b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions_7f00c620-e6eb-4c52-ac07-43c2ae4d3018" xlink:href="clov-20220630.xsd#clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions12MonthsOrLonger_fbd59112-df08-42e7-95ec-9edce54366c4" xlink:href="clov-20220630.xsd#clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions12MonthsOrLonger"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions_7f00c620-e6eb-4c52-ac07-43c2ae4d3018" xlink:to="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions12MonthsOrLonger_fbd59112-df08-42e7-95ec-9edce54366c4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositionsYearOne_d619e871-c689-4b7d-b0dc-68fc823b03ce" xlink:href="clov-20220630.xsd#clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositionsYearOne"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositions_7f00c620-e6eb-4c52-ac07-43c2ae4d3018" xlink:to="loc_clov_DebtSecuritiesAvailableForSaleAndHeldToMaturityUnrealizedLossPositionNumberOfPositionsYearOne_d619e871-c689-4b7d-b0dc-68fc823b03ce" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.cloverhealth/role/InvestmentSecuritiesProceedsfromSalesandMaturitiesofInvestmentSecuritiesDetails" xlink:type="simple" xlink:href="clov-20220630.xsd#InvestmentSecuritiesProceedsfromSalesandMaturitiesofInvestmentSecuritiesDetails"/>
  <link:calculationLink xlink:role="http://www.cloverhealth/role/InvestmentSecuritiesProceedsfromSalesandMaturitiesofInvestmentSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealizedInvestmentGainsLosses_a5000692-2b5b-44c4-b42c-799620d42aa6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RealizedInvestmentGainsLosses"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_ShortTermInvestmentsAndAvailableForSaleSecuritiesGrossRealizedLosses_4bb0e348-5c1d-44f4-a89c-da9a3aa84df3" xlink:href="clov-20220630.xsd#clov_ShortTermInvestmentsAndAvailableForSaleSecuritiesGrossRealizedLosses"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_RealizedInvestmentGainsLosses_a5000692-2b5b-44c4-b42c-799620d42aa6" xlink:to="loc_clov_ShortTermInvestmentsAndAvailableForSaleSecuritiesGrossRealizedLosses_4bb0e348-5c1d-44f4-a89c-da9a3aa84df3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_ShortTermInvestmentsAndAvailableForSaleSecuritiesGrossRealizedGains_7d219daf-40fc-45dd-816c-1da5e8501205" xlink:href="clov-20220630.xsd#clov_ShortTermInvestmentsAndAvailableForSaleSecuritiesGrossRealizedGains"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_RealizedInvestmentGainsLosses_a5000692-2b5b-44c4-b42c-799620d42aa6" xlink:to="loc_clov_ShortTermInvestmentsAndAvailableForSaleSecuritiesGrossRealizedGains_7d219daf-40fc-45dd-816c-1da5e8501205" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.cloverhealth/role/FairValueMeasurementsSummaryofFairValueMeasurementsforItemsDetails" xlink:type="simple" xlink:href="clov-20220630.xsd#FairValueMeasurementsSummaryofFairValueMeasurementsforItemsDetails"/>
  <link:calculationLink xlink:role="http://www.cloverhealth/role/FairValueMeasurementsSummaryofFairValueMeasurementsforItemsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_54157855-78eb-4c30-80c3-13d153b7dd68" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_09cacf4c-1dea-4f1d-a749-83aa5e92b8c3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_54157855-78eb-4c30-80c3-13d153b7dd68" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_09cacf4c-1dea-4f1d-a749-83aa5e92b8c3" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.cloverhealth/role/UnpaidClaimsActivityinLiabilityforUnpaidClaimsandClaimsAdjustmentExpenseDetails" xlink:type="simple" xlink:href="clov-20220630.xsd#UnpaidClaimsActivityinLiabilityforUnpaidClaimsandClaimsAdjustmentExpenseDetails"/>
  <link:calculationLink xlink:role="http://www.cloverhealth/role/UnpaidClaimsActivityinLiabilityforUnpaidClaimsandClaimsAdjustmentExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_a6c8f45c-521e-47f7-9174-b0fb4857dd44" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PaymentsForLossesAndLossAdjustmentExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1_7ae19843-2ed1-410a-9dbf-0d791a920a90" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_a6c8f45c-521e-47f7-9174-b0fb4857dd44" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1_7ae19843-2ed1-410a-9dbf-0d791a920a90" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1_0a258a20-2acc-4552-840f-1e49286fcff3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_a6c8f45c-521e-47f7-9174-b0fb4857dd44" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1_0a258a20-2acc-4552-840f-1e49286fcff3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_0d4362b1-c647-4700-b8d0-7b9784c57910" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_f84d2106-ba75-43a3-be6c-680911f6309c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_0d4362b1-c647-4700-b8d0-7b9784c57910" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_f84d2106-ba75-43a3-be6c-680911f6309c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_351ce6fe-9534-4ee5-b871-dedbbb67d356" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_0d4362b1-c647-4700-b8d0-7b9784c57910" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_351ce6fe-9534-4ee5-b871-dedbbb67d356" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.cloverhealth/role/NotesandSecuritiesPayableScheduleofMaturitiesofLongtermDebtDetails" xlink:type="simple" xlink:href="clov-20220630.xsd#NotesandSecuritiesPayableScheduleofMaturitiesofLongtermDebtDetails"/>
  <link:calculationLink xlink:role="http://www.cloverhealth/role/NotesandSecuritiesPayableScheduleofMaturitiesofLongtermDebtDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_b54e3b3b-6c4a-46c8-b93a-407c36116491" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LongTermDebt"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_5deb20aa-a447-459f-add0-f64b80d620b7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_b54e3b3b-6c4a-46c8-b93a-407c36116491" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_5deb20aa-a447-459f-add0-f64b80d620b7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_f3f32cb7-7bc6-4d4b-9531-5cfd8d444a9c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_b54e3b3b-6c4a-46c8-b93a-407c36116491" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_f3f32cb7-7bc6-4d4b-9531-5cfd8d444a9c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_c24e92ea-3ca5-484e-9720-5e854968ab6e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_b54e3b3b-6c4a-46c8-b93a-407c36116491" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_c24e92ea-3ca5-484e-9720-5e854968ab6e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_f74ff7a2-48ec-4ed6-bff1-13e04e94f80d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_b54e3b3b-6c4a-46c8-b93a-407c36116491" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_f74ff7a2-48ec-4ed6-bff1-13e04e94f80d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_e8f04609-2341-43e4-b68f-4f7df2e674f4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_b54e3b3b-6c4a-46c8-b93a-407c36116491" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_e8f04609-2341-43e4-b68f-4f7df2e674f4" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.cloverhealth/role/OperatingSegmentsReconciliationofRevenueofSegmentstoStatementofOperationsDetails" xlink:type="simple" xlink:href="clov-20220630.xsd#OperatingSegmentsReconciliationofRevenueofSegmentstoStatementofOperationsDetails"/>
  <link:calculationLink xlink:role="http://www.cloverhealth/role/OperatingSegmentsReconciliationofRevenueofSegmentstoStatementofOperationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_3b069f4b-8cdd-4607-845e-a4dc8d8a03e1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_8d50ab5d-e6d8-4e50-80ed-eec3fa8dbd24" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestExpense"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_3b069f4b-8cdd-4607-845e-a4dc8d8a03e1" xlink:to="loc_us-gaap_InterestExpense_8d50ab5d-e6d8-4e50-80ed-eec3fa8dbd24" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationAndAmortization_f731d250-218b-421e-8f3b-a8c3c1e774f9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DepreciationAndAmortization"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_3b069f4b-8cdd-4607-845e-a4dc8d8a03e1" xlink:to="loc_us-gaap_DepreciationAndAmortization_f731d250-218b-421e-8f3b-a8c3c1e774f9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_92adc192-f865-4e3f-ab05-ccc143fd46da" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_3b069f4b-8cdd-4607-845e-a4dc8d8a03e1" xlink:to="loc_us-gaap_LaborAndRelatedExpense_92adc192-f865-4e3f-ab05-ccc143fd46da" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GrossProfit_7352d42c-ea77-42ec-84ca-f4de2465c198" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_GrossProfit"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_3b069f4b-8cdd-4607-845e-a4dc8d8a03e1" xlink:to="loc_us-gaap_GrossProfit_7352d42c-ea77-42ec-84ca-f4de2465c198" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAdjustmentOfWarrants_f7af76fa-5a99-4e0c-a905-0b3ee2280759" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueAdjustmentOfWarrants"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_3b069f4b-8cdd-4607-845e-a4dc8d8a03e1" xlink:to="loc_us-gaap_FairValueAdjustmentOfWarrants_f7af76fa-5a99-4e0c-a905-0b3ee2280759" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnInvestments_d486c50f-ef7a-4b72-bbba-bbf3602511b8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_GainLossOnInvestments"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_3b069f4b-8cdd-4607-845e-a4dc8d8a03e1" xlink:to="loc_us-gaap_GainLossOnInvestments_d486c50f-ef7a-4b72-bbba-bbf3602511b8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfFinancingCostsAndDiscounts_2b23d1aa-b813-4ba1-843d-5fdccba422f0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AmortizationOfFinancingCostsAndDiscounts"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_3b069f4b-8cdd-4607-845e-a4dc8d8a03e1" xlink:to="loc_us-gaap_AmortizationOfFinancingCostsAndDiscounts_2b23d1aa-b813-4ba1-843d-5fdccba422f0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherGeneralExpense_21f6a30f-f817-4fc0-889f-404cde099b45" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherGeneralExpense"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_3b069f4b-8cdd-4607-845e-a4dc8d8a03e1" xlink:to="loc_us-gaap_OtherGeneralExpense_21f6a30f-f817-4fc0-889f-404cde099b45" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_clov_PremiumDeficiencyTestingExpenseBenefitLongDurationContractAmount_e30de28d-b4c2-4d29-8e5f-ea20ba0f00e3" xlink:href="clov-20220630.xsd#clov_PremiumDeficiencyTestingExpenseBenefitLongDurationContractAmount"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_3b069f4b-8cdd-4607-845e-a4dc8d8a03e1" xlink:to="loc_clov_PremiumDeficiencyTestingExpenseBenefitLongDurationContractAmount_e30de28d-b4c2-4d29-8e5f-ea20ba0f00e3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense_e55f9209-0d4d-4185-b0f9-80197a228691" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_GeneralAndAdministrativeExpense"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_3b069f4b-8cdd-4607-845e-a4dc8d8a03e1" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpense_e55f9209-0d4d-4185-b0f9-80197a228691" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
