Crucial Update for Long-Term Shareholders of CS Disco Inc. (NYSE: LAW), Five Below, Inc. (NASDAQ: FIVE), Humana Inc. (NYSE: HUM), and Unicycive Therapeutics, Inc. (NASDAQ: UNCY): Grabar Law Office is Looking into Claims for You
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 24 2025
0mins
Should l Buy HUM?
Source: Globenewswire
CS Disco Inc. Securities Fraud Investigation: Grabar Law Office is investigating claims against CS Disco Inc. as a securities fraud class action complaint has survived a motion to dismiss, allowing shareholders who held shares before September 2, 2021, to seek corporate reforms and potential financial returns at no cost.
Five Below, Inc. Class Action Update: A similar investigation is underway for Five Below, Inc., where allegations of misleading financial information have also survived a motion to dismiss, enabling shareholders who held shares before December 1, 2022, to pursue corporate reforms and financial restitution.
Humana Inc. Shareholder Claims: Grabar Law Office is looking into potential breaches of fiduciary duties by Humana Inc. officers, with allegations of misleading statements regarding increased healthcare costs affecting shareholders who purchased shares before July 27, 2022, allowing them to seek reforms and financial returns.
Unicycive Therapeutics, Inc. Investigation: An investigation is being conducted for Unicycive Therapeutics, Inc. regarding false statements about FDA compliance and drug application prospects, with shareholders who held shares before March 29, 2024, eligible to seek corporate reforms and financial restitution.
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Analyst Views on HUM
Wall Street analysts forecast HUM stock price to rise
19 Analyst Rating
6 Buy
12 Hold
1 Sell
Moderate Buy
Current: 174.240
Low
231.00
Averages
290.39
High
344.00
Current: 174.240
Low
231.00
Averages
290.39
High
344.00
About HUM
Humana Inc. provides Humana insurance services and CenterWell health care services. The Company's segments include Insurance and CenterWell. The Insurance segment consists of Medicare benefits, marketed to individuals or directly via group Medicare accounts, as well as its contract with CMS to administer the Limited Income Newly Eligible Transition (LI-NET) prescription drug plan program and contracts with various states to provide Medicaid, dual eligible demonstration, and Long-Term Support Services benefits. This segment also includes products consisting of employer group commercial fully-insured medical and specialty health insurance benefits marketed to individuals and employer groups. The CenterWell segment includes its pharmacy, primary care, and home solutions operations. The segment also includes its strategic partnerships with WCAS to develop and operate senior-focused, payor-agnostic, primary care centers, as well as its minority ownership interest in hospice operations.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Medicare Advantage Plans Under Cost Control Pressure Ahead of 2027 Rates
- Cost Control Issues: CMS Deputy Administrator Chris Klomp highlighted that Medicare Advantage plans have not effectively controlled costs, adding pressure to the upcoming 2027 reimbursement rate decision, which could impact insurers' profitability.
- Reimbursement Rate Proposal: The CMS's proposed flat reimbursement rates for MA insurers in January led to declines in managed care stocks, including UnitedHealth (UNH) and Humana (HUM), reflecting market concerns about future profitability amid regulatory changes.
- UnitedHealth's Response Strategy: As the largest MA insurer, UnitedHealth indicated it might consider benefit reductions in response to the CMS's “disappointing” initial reimbursement rates, showcasing the company's adaptability and strategic planning in the face of policy shifts.
- Market Choice Risks: Klomp warned that if the CMS acts “too aggressively” on rates, it could lead to plans exiting certain markets, thereby reducing choices for Medicare recipients and exacerbating market uncertainties.
See More
Significant Increase in CGM Usage Among Medicare Advantage Members
- Increase in CGM Usage: The proportion of Medicare Advantage members with type 2 diabetes using continuous glucose monitors (CGMs) rose from less than 2% in January 2021 to about 16% by December 2023, indicating a significant increase in technology adoption coinciding with expanded Medicare coverage.
- Impact of Healthcare Visits: In the 2023 study cohort, patients who had an endocrinology visit were over four times more likely to use a CGM, highlighting the critical role of regular medical interactions in facilitating access to advanced diabetes management tools.
- Challenges for Older Patients: The analysis revealed that older adults and those with fewer healthcare interactions were less likely to utilize CGMs, suggesting a need for targeted outreach to ensure these vulnerable populations receive essential diabetes management support.
- Future Coverage Plans: By 2026, most individuals with a Humana Medicare Advantage plan will be able to obtain a CGM at no out-of-pocket cost, which is expected to further enhance CGM adoption and improve health outcomes for diabetes management.
See More
U.S. HMO Industry Faces Challenges and Opportunities
- Rising Medical Costs: U.S. health insurers are experiencing increased medical expenses due to the resumption of deferred care and heightened demand for chronic disease management, leading to a rise in insurance claims and pressure on profit margins.
- Regulatory Uncertainty: New legislation may tighten Medicaid eligibility and reduce ACA enrollment, impacting insurers' membership and reimbursements, which forces a shift towards commercial insurance products to enhance profitability.
- Healthcare Workforce Shortage: The ongoing shortage of nurses and healthcare professionals is straining hospital operations, affecting HMOs' ability to deliver high-quality care, which could lead to customer attrition.
- M&A Strategy: HMO companies are pursuing mergers and acquisitions to expand market share and enhance competitiveness, with expected interest rate declines in 2026 likely to fuel further M&A activity, driving industry consolidation.
See More
Congressional Investigation Reveals Medicare Overpayment Issues
- Medicare Overpayment Investigation: The Joint Economic Committee's investigation revealed that alleged overpayments to Medicare Advantage plans resulted in a $13.4 billion increase in Medicare Part B premiums last year, primarily impacting seniors, highlighting potential financial pressures within the Medicare system.
- Premium Hike Impact: The investigation found that the average Medicare premium for American seniors rose by approximately 10%, equating to over $200 annually, directly affecting beneficiaries of both Medicare Advantage and standard Medicare, indicating a pressing need for policy adjustments.
- Insurer Rebuttal: America's Health Insurance Plans (AHIP), representing health insurers, denied the investigation's findings, claiming they were based on “fundamentally flawed data and methodology,” illustrating the industry's strong opposition to policy changes and potential conflicts of interest.
- Market Participant Overview: UnitedHealth (UNH) stands as the largest player in the Medicare Advantage market, followed by Humana (HUM) and others, underscoring the significant role and influence of major insurers in the evolving landscape of Medicare policy.
See More
Humana Completes $1 Billion Junior Subordinated Notes Offering
- Offering Size: Humana Inc. has completed a $1 billion fixed-rate junior subordinated notes offering at 6.625%, with expected net proceeds of approximately $986 million, which will be used for general corporate purposes including repayment of existing debt, thereby enhancing financial flexibility.
- Underwriter Lineup: The offering was managed by prominent financial institutions including Goldman Sachs, J.P. Morgan, Mizuho Securities, Truist, and Wells Fargo, reflecting strong market confidence and support for Humana.
- Compliance and Transparency: The issuance was conducted under an effective shelf registration statement with the SEC, ensuring compliance and transparency, which may attract more investors for future financing activities.
- Future Outlook: Humana intends to leverage this financing to improve its capital structure, particularly in the highly competitive healthcare sector, thereby strengthening its market position and financial stability to address future challenges and opportunities.
See More
Humana Completes $1 Billion Junior Subordinated Notes Offering
- Bond Offering Size: Humana Inc. has completed a $1 billion fixed-rate junior subordinated notes offering at 6.625%, which will provide the company with approximately $986 million in net proceeds, enhancing its capital structure.
- Planned Use of Proceeds: The company intends to use the net proceeds from this bond offering for general corporate purposes, including the repayment of existing debt, particularly borrowings under its commercial paper program, thereby optimizing financial leverage and reducing interest expenses.
- Underwriter Lineup: The bond offering was jointly managed by prominent financial institutions including Goldman Sachs, J.P. Morgan, Mizuho Securities, Truist, and Wells Fargo, reflecting strong market confidence in Humana's debt instruments.
- Compliance and Forward-Looking Statements: This offering was made pursuant to an effective registration statement with the SEC, and Humana has issued forward-looking statements to alert investors to potential operational risks and uncertainties, ensuring transparency and compliance.
See More
Medicare Advantage Plans Under Cost Control Pressure Ahead of 2027 Rates
- Cost Control Issues: CMS Deputy Administrator Chris Klomp highlighted that Medicare Advantage plans have not effectively controlled costs, adding pressure to the upcoming 2027 reimbursement rate decision, which could impact insurers' profitability.
- Reimbursement Rate Proposal: The CMS's proposed flat reimbursement rates for MA insurers in January led to declines in managed care stocks, including UnitedHealth (UNH) and Humana (HUM), reflecting market concerns about future profitability amid regulatory changes.
- UnitedHealth's Response Strategy: As the largest MA insurer, UnitedHealth indicated it might consider benefit reductions in response to the CMS's “disappointing” initial reimbursement rates, showcasing the company's adaptability and strategic planning in the face of policy shifts.
- Market Choice Risks: Klomp warned that if the CMS acts “too aggressively” on rates, it could lead to plans exiting certain markets, thereby reducing choices for Medicare recipients and exacerbating market uncertainties.
See More
Significant Increase in CGM Usage Among Medicare Advantage Members
- Increase in CGM Usage: The proportion of Medicare Advantage members with type 2 diabetes using continuous glucose monitors (CGMs) rose from less than 2% in January 2021 to about 16% by December 2023, indicating a significant increase in technology adoption coinciding with expanded Medicare coverage.
- Impact of Healthcare Visits: In the 2023 study cohort, patients who had an endocrinology visit were over four times more likely to use a CGM, highlighting the critical role of regular medical interactions in facilitating access to advanced diabetes management tools.
- Challenges for Older Patients: The analysis revealed that older adults and those with fewer healthcare interactions were less likely to utilize CGMs, suggesting a need for targeted outreach to ensure these vulnerable populations receive essential diabetes management support.
- Future Coverage Plans: By 2026, most individuals with a Humana Medicare Advantage plan will be able to obtain a CGM at no out-of-pocket cost, which is expected to further enhance CGM adoption and improve health outcomes for diabetes management.
See More
U.S. HMO Industry Faces Challenges and Opportunities
- Rising Medical Costs: U.S. health insurers are experiencing increased medical expenses due to the resumption of deferred care and heightened demand for chronic disease management, leading to a rise in insurance claims and pressure on profit margins.
- Regulatory Uncertainty: New legislation may tighten Medicaid eligibility and reduce ACA enrollment, impacting insurers' membership and reimbursements, which forces a shift towards commercial insurance products to enhance profitability.
- Healthcare Workforce Shortage: The ongoing shortage of nurses and healthcare professionals is straining hospital operations, affecting HMOs' ability to deliver high-quality care, which could lead to customer attrition.
- M&A Strategy: HMO companies are pursuing mergers and acquisitions to expand market share and enhance competitiveness, with expected interest rate declines in 2026 likely to fuel further M&A activity, driving industry consolidation.
See More
Congressional Investigation Reveals Medicare Overpayment Issues
- Medicare Overpayment Investigation: The Joint Economic Committee's investigation revealed that alleged overpayments to Medicare Advantage plans resulted in a $13.4 billion increase in Medicare Part B premiums last year, primarily impacting seniors, highlighting potential financial pressures within the Medicare system.
- Premium Hike Impact: The investigation found that the average Medicare premium for American seniors rose by approximately 10%, equating to over $200 annually, directly affecting beneficiaries of both Medicare Advantage and standard Medicare, indicating a pressing need for policy adjustments.
- Insurer Rebuttal: America's Health Insurance Plans (AHIP), representing health insurers, denied the investigation's findings, claiming they were based on “fundamentally flawed data and methodology,” illustrating the industry's strong opposition to policy changes and potential conflicts of interest.
- Market Participant Overview: UnitedHealth (UNH) stands as the largest player in the Medicare Advantage market, followed by Humana (HUM) and others, underscoring the significant role and influence of major insurers in the evolving landscape of Medicare policy.
See More
Humana Completes $1 Billion Junior Subordinated Notes Offering
- Offering Size: Humana Inc. has completed a $1 billion fixed-rate junior subordinated notes offering at 6.625%, with expected net proceeds of approximately $986 million, which will be used for general corporate purposes including repayment of existing debt, thereby enhancing financial flexibility.
- Underwriter Lineup: The offering was managed by prominent financial institutions including Goldman Sachs, J.P. Morgan, Mizuho Securities, Truist, and Wells Fargo, reflecting strong market confidence and support for Humana.
- Compliance and Transparency: The issuance was conducted under an effective shelf registration statement with the SEC, ensuring compliance and transparency, which may attract more investors for future financing activities.
- Future Outlook: Humana intends to leverage this financing to improve its capital structure, particularly in the highly competitive healthcare sector, thereby strengthening its market position and financial stability to address future challenges and opportunities.
See More
Humana Completes $1 Billion Junior Subordinated Notes Offering
- Bond Offering Size: Humana Inc. has completed a $1 billion fixed-rate junior subordinated notes offering at 6.625%, which will provide the company with approximately $986 million in net proceeds, enhancing its capital structure.
- Planned Use of Proceeds: The company intends to use the net proceeds from this bond offering for general corporate purposes, including the repayment of existing debt, particularly borrowings under its commercial paper program, thereby optimizing financial leverage and reducing interest expenses.
- Underwriter Lineup: The bond offering was jointly managed by prominent financial institutions including Goldman Sachs, J.P. Morgan, Mizuho Securities, Truist, and Wells Fargo, reflecting strong market confidence in Humana's debt instruments.
- Compliance and Forward-Looking Statements: This offering was made pursuant to an effective registration statement with the SEC, and Humana has issued forward-looking statements to alert investors to potential operational risks and uncertainties, ensuring transparency and compliance.
See More
