By Nigam Arora

Editor’s note: This signal was published on December 10, 2025, in ZYX Buy Change Alert for paid members.
Instead of extending certain Obamacare subsidies, as favored by Democrats, Republicans want to provide money directly to health savings accounts (HSA). President Trump favors the HSA approach.
HQY is a large HSA custodian. If the Republican bill becomes law, not only will HQY benefit, it will also become a buyout target.
Risks
There are three major risks:
- The bill may not become law.
- President Trump is unpredictable.
- If the bill becomes law, it may bring more competition.
Suitability
Due to the risks, this is suitable only for aggressive investors.
Zones
The buy zone to scale in is *** (To see the locked content, please take a 30 day free trial). HQY is trading at $92.26 as of this writing.
The maximum recommended quantity is ***%.
In a buyout, the target zone is $173 – $186.
The stop zone is $*** – $***.
Profiting From Buyouts
To date, 221 Arora Portfolio companies have been bought out, providing large gains for members who routinely invest in buyout targets. This performance is better than the firms that charge $50,000 per year and provide buyout advice. With The Arora Report, you get so much more.
As always, there is no guarantee of a buyout.
Signal Limited is a Signal(s) with a great record in similar situations but does not meet all of the stringent criteria for a Signal. Typically Signal Limited has higher risk-reward compared to a Signal over the short term.
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This post was published on December 10th on ZYX Buy Change Alert.
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Nigam Arora
Nigam Arora is known for his accurate stock market calls. Nigam is a distinguished master of the macro. He is a popular columnist with over 100 million page views, an engineer, and nuclear physicist by background. Nigam has founded two Inc. 500 fastest growing companies and has been involved in over 50 entrepreneurial ventures. He is the developer of Theory ZYX of Successful Change Management and is the author of the book on Theory ZYX, as well as the developer of the ZYX Change Method for Investing.

