I have owned a small amount of Humana for a long time because I believe in the growth story. However, I recommend the new Barrons (Dec 22 last page) where that other most essential ingredient HMO margins is talked about and questioned. I agree with creative_truth, $30 is doable if Humana can maintain their margins. Essentially, their growth in sales is almost a given, so if their margins hold and their price/sales remains the same they are a $30 stock in 1998. But margins are a big if. I am not adding to my position but not selling either. By the way, I like Gregory Wolf the new CEO -- a push toward quality care but make them pay.