I'm thinking because Humana miscalculated this aep disastrously. Humana cut benefits and raised hospital days big on many plans in many states . Agents have been writing it heavy for yrs . This Aetna, Cigna , devoted and others increased benefits . Humana left the rear exposed . Agents must move some books or be flipped . Ifg agents got huge soft dollars to sell Humana . But instead are selling other carriers and flipping Humana clients . Nobody will ever know the truth .