{"schema_version":"secwatch.filing_event.v1","accession":"0000049071-24-000005","form_type":"8-K","ticker":"HUM","cik":"0000049071","company_name":"HUMANA INC","filed_at":"2024-01-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.630763+00:00","generated_at":"2026-06-06T22:12:12.596926+00:00","sec_items":["2.02","7.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Humana cuts FY2023 EPS to $20.00 GAAP/$26.09 adj; MA growth 100k vs prior guidance","bullets":["FY2023 GAAP EPS ~$20.00, adjusted ~$26.09; Q4 adj benefit ratio 91.4% (prior 89.5%).","Full-year adj benefit ratio 88.0% vs 87.5% guidance; driven by higher inpatient and outpatient utilization in Nov/Dec.","2024 MA membership growth now expected ~100k (1.8%), below prior call for 'at or slightly above industry average'.","AEP sales volume in line but lower new member sales; higher D-SNP attrition from ongoing Medicaid redetermination.","Company warns 2024 outlook material impact if trends continue; Q4 earnings call moved to Jan 25, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000049071-24-000005","json":"https://secwatch.observer/filing/0000049071-24-000005.json","markdown":"https://secwatch.observer/filing/0000049071-24-000005.md","text":"https://secwatch.observer/filing/0000049071-24-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/49071/000004907124000005/0000049071-24-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/49071/000004907124000005/hum-20240118.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T22:12:12.596926+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}