THE APEX TIMES
Jim Cramer Says Clover Health Could Be a Speculative Bet, But He’s Still Backing UnitedHealth and CVS
On CNBC’s Mad Money, the host told viewers to pay attention to where a stock is headed, not just where it has been, while naming Clover Health as a watchlist idea and citing UnitedHealth and CVS as preferred picks.
Clover Health Investments, Corp. is back in the spotlight after Jim Cramer discussed it during CNBC’s Mad Money on June 20. In the segment highlighted by Yahoo Finance, a caller raised Clover, prompting Cramer to frame the name as a potential “speculative” pick, while emphasizing that investors should focus on momentum and future direction rather than past performance.
The discussion centered on how viewers should evaluate stocks, according to the Yahoo Finance report. Rather than treating a stock’s history as the deciding factor, Cramer’s remarks pushed the idea that investors should consider where a business is going next, particularly when assessing higher-risk opportunities.
In that context, Clover Health was described as “a good speculative pick,” even as Cramer made clear his personal preference lay elsewhere. The host said he still favors UnitedHealth and CVS, indicating that while Clover can fit certain trading or speculative mindsets, those two larger healthcare franchises remain his top choices.
Cramer’s comments also point to a broader divide in U.S. healthcare investing between established managed-care and pharmacy-benefits players, and newer, more volatile health-tech and insurance-adjacent models. Clover Health, by contrast to the scale of UnitedHealth and CVS, is often treated by markets as a more idiosyncratic story, which can amplify both upside potential and downside risk.
From a market perspective, the remarks matter less for what they change immediately and more for what they announcement about investor attention. Shows like Mad Money can lift retail awareness of certain tickers, especially when a mainstream host uses straightforward language like “speculative pick.” In healthcare, where business models and reimbursement dynamics can drive quarter-to-quarter surprises, attention can quickly translate into higher trading activity.
What remains unclear from the Yahoo Finance post is the specific basis for Cramer’s preference at that moment. The report summarized his general approach and preferences, but it did not provide detailed financial metrics, guidance updates, or company-specific evidence within the excerpted material. It also did not specify whether Cramer’s view on Clover reflected changes in fundamentals, valuation, or near-term catalysts.
Investors watching the names discussed will likely focus next on earnings and company updates that clarify trajectory, including trends that influence medical costs, membership or customer mix, and operating margins for healthcare insurers and benefits providers. For UnitedHealth and CVS in particular, the market typically looks for clarity on profitability and resilience in utilization and pharmacy or benefits segments.
Why It Matters
- The segment highlights a common retail-investor framework shift from past results to forward trajectory, which can influence how markets interpret riskier healthcare names.
- Mentioning Clover as speculative can increase attention and volatility around CLOV, particularly among traders following mainstream television commentary.
- Cramer’s stated preference for UNH and CVS reinforces the market’s contrast between diversified, scaled healthcare operators and smaller, higher-variance stories.
Sources
Key Facts
- Jim Cramer discussed Clover Health on CNBC’s Mad Money, calling it a “good speculative pick.”
- Cramer’s remarks emphasized evaluating where a stock is going rather than where it has been.
- Despite the Clover reference, he said he still prefers UnitedHealth and CVS.
- The Yahoo Finance report highlighted the segment as a part of the June 20 coverage.
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