I've been holding Hum for a couple weeks and it has not been easy. I've had to buy in multiple times to average down. The Med Advantage issue looks very complex. the long term trend towards cost savings will be relentless and hostile. Aside from the proposed 2% MA reimbursement cut are even bigger issues. I quute from the 2/15/13 CMS press release "CMS is also proposing to address diferential coding patterns in Med Adv by refining the risk adjustment model to (EXCLUDE) certain conditions that are most commonly coded by Med Adv plans."