# Sector: Health insurance
Social security and United States of America, not a good fucking combo, not an iconic duo let’s say. Obama at least tried with Obama Care, then came Trump, and he threw it in the trash bin. He shove it up his *ss like Dr.Sins does on a regular basis. With Biden a new air is floating through the social security section. I’ll be concentrating on the health insurance.
I’m a europoor and from the moment i start working, i’m obligated to pay social security taxes. In return i get decent health insurance. US is a little different, without going into detail, the health insurance in US is less strict and people need to rely more on private operators. Well, our boy $clov got our back. Y’all can say you don’t need insurance, but a lot of stuff you’d forget about. You used to be a weirdo if you got dental braces. Nowadays it’s opposite, and in fact a dental treatment is a fuckin fortune. If i knew initially how much that fuckin orthodontist would’ve charged me, i honestly would’ve considered to skip the treatment and use that money for $CLOV weeklies, but yeah, that’s that. The point is, you need the insurance more than you think.
# Great Catalysts
1. Currently CLOV is operating in 8 states. That means there is much more room for expansion. Recently Senate Democrats agreed to a [$3.5 trillion budget](https://www.bloomberg.com/news/articles/2021-07-14/senate-democrats-agree-to-3-5-trillion-tax-spending-bill) including medicare advantages. The medicare sector is in a growth process and it’s an opportunity for health insurance companies. It’s a stable market but a money injection could trigger the process of a full development with wider support for the citizens.
2. Patients who reside home get access to an [in-home care](https://www.businessinsider.com/insurer-upstarts-alignment-bright-and-clover-are-employing-doctors-and-providing-care-2021-7?international=true&r=US&IR=T) program. This is an aspect that could separate the new players like $CLOV from the giants. It could reshape the US healthcare industry as they don’t use physical clinics, but get doctors to deliver the healthcare either virtually or at people’s homes. The company can act as a disruptor. Once CLOV has settled in, it has a lot of room to run.
# Numbers to dial in case of an emergency:
– market cap: around 3.8B
– $CLOV is trading 6 times above its book value which is not high at all compared to its competitors in the sector.
– 132,000 total risk-based patients growing to 160,000 this year ( [source](https://www.globenewswire.com/news-release/2021/05/17/2230595/0/en/Clover-Health-Reports-First-Quarter-2021-Financial-Results.html) )
– ratings: Over the last month $CLOV got two new ratings from research firms. The following table makes us conclude that the stock is trading under its mean target price.
|B of A Securities|$10|
This is not financial advice. The number to dial in case of an emergency is actually 911. Just felt like i had to get my pencil and type out my feelings. positions: 243 shares @$11.56 average, in combo with weaklies every now and then lol