Jim Cramer Prefers UnitedHealth and CVS Over Clover Health

Jim Cramer, host of Mad Money on CNBC, said he prefers UnitedHealth (UNH) and CVS (CVS) over Clover Health (CLOV), calling the latter a good speculative pick.

Recommendation Change

Cramer did not formally change his rating, but he made clear he favors larger, more stable healthcare stocks like UnitedHealth and CVS over smaller insurers like Clover Health.

Analyst's Rationale

Cramer believes investors should focus on where a stock is going, not where it has been. Although Clover Health reported GAAP profitability in Q1 2026, he sees lingering risks with speculative stocks, while UnitedHealth and CVS offer more predictable stability and growth.

Context

Cramer's comments come amid volatility in healthcare stocks due to regulatory and pricing policy changes. Clover Health's stock has risen sharply after achieving profitability, but Cramer warns that past performance does not guarantee future results.

What to Make of It

Jim Cramer favors leading healthcare stocks like UnitedHealth and CVS over speculative names like Clover Health due to their stability and sustainable growth. However, he acknowledges Clover could be a good option for risk-tolerant investors.