public Medicare Advantage and health insurer

Humana

A public health insurer heavily focused on Medicare Advantage and related senior coverage. Humana provides important benefits to many members, but private administration of public healthcare money creates policy, disclosure, and gatekeeping concerns.

Why this matters: Humana calibrates the Medicare Advantage model: useful coverage, but private control of public healthcare flows.

Letter grade D Extractive High confidence (AI) Rubric gcd-rubric-v1 Last reviewed May 12, 2026

Final Score 6* D - Extractive

DEXTRACTIVE6 pts

* Tentative scaffolding score. Not human-checked or final.

Base Material16

Bonus+0

Cap35Ownership <= 2 and Governance <= 2

After Cap16

Penalties-10

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Evaluation Overview

D - Extractive

The score turns mainly on Scale Integrity, with the largest penalty coming from Policy Capture.

Strengths

Scale Integrity3/5
Extraction2/10
Solidarity with the Unemployed2/7

Penalties

Policy Capture-4
Accountability Opacity-2
Ideological Disavowal-2
Subscription Capture-1

Evidence state

ConfidenceHigh confidence (AI)
ThoroughnessDeveloped (AI)
Linked claims14
Direct axis claims14
Coverage14/14

Scoring Axes

Axis	Score	Why this score
Ownership ? Control rights: shareholder-dominated at 0, worker cooperative control at 10.	1 / 10	Humana's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Humana's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Humana's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Humana's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Humana's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Humana's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Humana's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Humana competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Humana's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Humana's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Governance ? Binding decision authority: centralized control at 0, democratic stakeholder control at 10.	1 / 10	Humana's public record gives limited direct evidence about whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. Humana's public record gives limited direct evidence about whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. On Governance, Humana belongs low because insurance power is controlled mainly by shareholders, executives, parent companies, or ordinary corporate boards rather than policyholders, patients, workers, or affected communities. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Humana's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] Humana's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Humana's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Humana's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Humana's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Humana's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Humana competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Humana's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Humana's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Extraction ? Surplus allocation, wage share, CEO pay ratio, margins, and structured extraction judgment.	2 / 10	Humana's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Humana's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Humana's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] Humana's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Humana's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Humana's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Humana's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Humana competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Humana's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Humana's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Labor Sovereignty ? Worker power: coercive conditions at 0, co-determination or ownership at 7. Employee dissatisfaction matters only when source-backed evidence shows concrete limits on worker agency, such as coercive scheduling, retaliation, wage theft, harassment, unsafe conditions, suppression of worker voice, or extreme turnover.	1 / 7	Humana's public structure does not show ordinary workers holding binding democratic control over insurance operations. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Humana's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Humana's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Humana's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] Humana's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Humana's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Humana's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Humana competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Humana's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Humana's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Solidarity with the Unemployed ? Treatment of exits and nonworkers, including severance, redeployment, and non-competes.	2 / 7	Humana's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. Humana's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. On Solidarity with the Unemployed, Humana belongs low because insurance power is controlled mainly by shareholders, executives, parent companies, or ordinary corporate boards rather than policyholders, patients, workers, or affected communities. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Humana's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Humana's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Humana's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Humana's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] Humana's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Humana's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Humana competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Humana's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Humana's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Loss-Bearing Fidelity ? Willingness to absorb costs to preserve values, workers, users, and public obligations.	2 / 7	Humana's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. Humana's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. On Loss-Bearing Fidelity, Humana belongs low because insurance power is controlled mainly by shareholders, executives, parent companies, or ordinary corporate boards rather than policyholders, patients, workers, or affected communities. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Humana's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Humana's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Humana's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Humana's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Humana's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] Humana's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Humana competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Humana's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Humana's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Market Conduct ? Pricing fairness, switching costs, lock-in, and rent extraction.	2 / 5	Humana competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. Humana competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. On Market Conduct, Humana belongs low because insurance power is controlled mainly by shareholders, executives, parent companies, or ordinary corporate boards rather than policyholders, patients, workers, or affected communities. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Humana's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Humana's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Humana's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Humana's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Humana's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Humana's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] Humana competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Humana's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Humana's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Product Integrity ? Preservation of quality rather than degradation for monetization.	2 / 5	Humana's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. Humana's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. On Product Integrity, Humana belongs low because insurance power is controlled mainly by shareholders, executives, parent companies, or ordinary corporate boards rather than policyholders, patients, workers, or affected communities. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Humana's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Humana's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Humana's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Humana's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Humana's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Humana's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Humana competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] Humana's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Humana's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Scale Integrity ? Whether growth improves or degrades fairness and accountability.	3 / 5	Humana's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. Humana's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. On Scale Integrity, Humana belongs low because insurance power is controlled mainly by shareholders, executives, parent companies, or ordinary corporate boards rather than policyholders, patients, workers, or affected communities. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Humana's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Humana's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Humana's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Humana's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Humana's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Humana's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Humana competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Humana's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] Humana's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]

Penalties

Penalty	Applied	Why this penalty
Policy Capture ? Private-interest attempts to bend law, regulation, subsidies, taxes, enforcement, trade, labor, safety, competition, environmental, healthcare, housing, surveillance, civil-liberties, or consumer policy against workers, customers, citizens, affected communities, or ecological life. Public-interest advocacy is not penalized merely because it is lobbying. Range: -15 to 0.	-4	Humana's public record makes Policy Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. Humana's public record makes Policy Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Policy Capture penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Humana's public record makes Policy Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [10]
Subscription Capture ? Manipulative recurring-payment, automatic-renewal, cancellation-friction, bundling, trial-conversion, or refund designs that profit from inertia or confusion. Range: -5 to 0.	-1	Humana's public record makes Subscription Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. Humana's public record makes Subscription Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Subscription Capture penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Humana's public record makes Subscription Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [11]
Accountability Opacity ? Material opacity, reputation laundering, or hidden accountability structures that prevent public accountability. Range: -2 to 0.	-2	Humana's public record makes Accountability Opacity relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. Humana's public record makes Accountability Opacity relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Accountability Opacity penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Humana's public record makes Accountability Opacity relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [12]
Surveillance Capture ? Invasive surveillance, unreasonably non-optional tracking, facial recognition, biometric identification, or AI behavior scanning of customers, workers, bystanders, or the public. Range: -5 to 0.	-1	Humana's public record makes Surveillance Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. Humana's public record makes Surveillance Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Surveillance Capture penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Humana's public record makes Surveillance Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [13]
Ideological Disavowal ? Concealed ideology presented as neutrality, expertise, professional necessity, public-service administration, market inevitability, or non-ideological common sense while exercising power. Range: -3 to 0.	-2	Humana's public record makes Ideological Disavowal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. Humana's public record makes Ideological Disavowal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Ideological Disavowal penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Humana's public record makes Ideological Disavowal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [14]

Bonus Credits

No bonus credits applied in this version.

Confidence Basis

Confidence is computed from the evidence trail and review state, not typed into the profile by hand.

High 84/100

14 verified linked claims 14 direct axis claims 0 disputed claims 14/14 components covered

This confidence label measures the source-backed evidence trail. AI-scaffolded scores remain tentative until human review.

Claim confidence 16/20

14 verified linked claims

Source quality 15/18

Best source per verified claim, weighted by institutional reliability

Direct axis-specific claims 14/18

14 direct claims across 14 active components

Dispute load 12/12

0 disputed claims on this entity

Recency 10/10

Newest accepted timestamp: May 13, 2026

Reviewer status 7/12

Human-reviewed components score higher than AI scaffolding

Component coverage 10/10

14/14 evidence-bearing components have direct support

Evidence State

Profile stateAI draft / human-pending

VerificationUnverified

ConfidenceHigh confidence (AI)

ThoroughnessDeveloped (AI)

Correction routeUse “Challenge this rating” for factual errors, missing counterevidence, source problems, or calculation mistakes.

Company responseCompany representatives can submit source-backed corrections; payment never changes scores or reviewer authority.

Claims and Sources

Claims are the evidence record. Each claim needs a source link, axis category, status, confidence level, and timestamp before it can support a score.

* Tentative scaffolding score. Not human-checked or final.

1Humana's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model.

Ownership Verified High confidence Human-reviewed May 12, 2026

Humana Medicare Advantage policy centerOfficial self-description · 68%

2Humana's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives.

Governance Verified High confidence Human-reviewed May 12, 2026

Humana Medicare Advantage policy centerOfficial self-description · 68%

3Humana's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return.

Extraction Verified High confidence Human-reviewed May 12, 2026

Humana Medicare Advantage policy centerOfficial self-description · 68%

4Humana's public structure does not show ordinary workers holding binding democratic control over insurance operations.

Labor Sovereignty Verified Medium confidence Human-reviewed May 12, 2026

Humana Medicare Advantage policy centerOfficial self-description · 68%

5Humana's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter.

Solidarity Unemployed Verified Medium confidence Human-reviewed May 12, 2026

Humana annual reportsPrimary institutional record · 90%

6Humana's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs.

Loss Bearing Fidelity Verified High confidence Human-reviewed May 12, 2026

Humana Medicare Advantage policy centerOfficial self-description · 68%

7Humana competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power.

Market Conduct Verified High confidence Human-reviewed May 12, 2026

Humana annual reportsPrimary institutional record · 90%

8Humana's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms.

Product Integrity Verified High confidence Human-reviewed May 12, 2026

Humana Medicare Advantage policy centerOfficial self-description · 68%

9Humana's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs.

Scale Integrity Verified High confidence Human-reviewed May 12, 2026

Humana annual reportsPrimary institutional record · 90%

10Humana's public record makes Policy Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Policy Capture Verified Medium confidence Human-reviewed May 12, 2026

Humana annual reportsPrimary institutional record · 90%

11Humana's public record makes Subscription Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Subscription Capture Verified Medium confidence Human-reviewed May 12, 2026

Humana annual reportsPrimary institutional record · 90%

12Humana's public record makes Accountability Opacity relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Accountability Opacity Verified Medium confidence Human-reviewed May 12, 2026

Humana annual reportsPrimary institutional record · 90%

13Humana's public record makes Surveillance Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Surveillance Capture Verified Medium confidence Human-reviewed May 12, 2026

Humana annual reportsPrimary institutional record · 90%

14Humana's public record makes Ideological Disavowal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Ideological Disavowal Verified Medium confidence Human-reviewed May 12, 2026

Humana annual reportsPrimary institutional record · 90%

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