TheStreet’s Jim Cramer said bank stocks hit bottom last month, and talk of negative interest rates are not a worry for U.S. bank stocks. Cramer said while banks hit their lows, for the stocks to move higher, interest rates in the U.S. will have to rise. A viewer asked Cramer about HCA (HCA)and Tenet (THC), which he said have come down a great deal, but he doesn’t have a catalyst to buy them. He likes United Health (UNH), saying they’ve figured out how to make money with the Affordable Care Act. He said that stock is a buy. He also discussed Goodyear (GT) and Kroger (KR) Cramer is portfolio manager of Action Alerts PLUS. Send your questions to Cramer on his Facebook page or on Twitter, using hashtag Cramer Q.