Cramer Backs CLOV as Speculative Play but Favors UNH and CVS
Jim Cramer called Clover Health a decent speculative bet while maintaining his preference for UnitedHealth and CVS as core healthcare holdings.
Jim Cramer isn't abandoning the healthcare trade — he's just ranking it. The CNBC host gave Clover Health a nod as a workable speculative pick, but made it clear that when it comes to where you want real money parked, UnitedHealth Group and CVS Health are still his top calls in the sector.
That distinction matters if you're building a portfolio. Speculative names like CLOV can juice returns when sentiment swings your way, but they carry serious downside risk. Cramer's framing signals he sees Clover as a trade, not a holding — the kind of position you size small and watch closely, not one you average into on every dip.
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UnitedHealth and CVS offer something CLOV simply can't right now: scale, cash flow, and a track record. UNH runs one of the largest managed-care operations in the country, while CVS has been aggressively expanding its integrated health services model. Both give you exposure to healthcare spending trends without betting on a smaller player's ability to execute a turnaround.
For retail traders, Cramer's take is essentially a risk-tiering framework. If you've already got the blue-chip healthcare names covered, a small speculative slice in something like CLOV isn't crazy. But leading with it? That's where he draws the line. Know what you own and why you own it before chasing the more volatile name.
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