NEW YORK ( TheStreet) -- "If health care reforms pass this weekend, this market's going to catch a cold," Jim Cramer told the viewers of his "Mad Money" TV show Thursday. He said investors need to immunize their portfolios with good, high-paying dividend stocks, if they expect to survive the coming selloff. Cramer said there's now little doubt that 2011 will be the year of higher taxes on capital gains and dividends if Obama's legislation passes. That means at some point this year, investors will be selling stocks to lock in lower tax rates. "Investors need to be worried," Cramer said, as he outlined a portfolio of five stocks that should afford some protection from what he believes could be a sizable decline.