The Healthcare Reform Law, including The Patient Protection and Affordable Care Act and The Healthcare and Education Reconciliation Act of 2010, could have a material
adverse effect on Humana's results of operations, including restricting revenue, enrollment and
premium growth in certain products and market segments, restricting the company's ability to expand into new markets, increasing the company's medical and operating costs by, among other things, requiring a minimum benefit ratio
on insured products, lowering the company's Medicare payment rates and increasing the company's expenses associated with a non-deductible health insurance industry fee and other assessments; the company's financial position, including the company's ability to maintain the value of its goodwill; and the company's cash flows.
An experienced Nevada traffic ticket lawyer may help motorists avoid any
adverse effects on their driving transcripts, increases in auto insurance
premiums or suspensions or revocations of their privilege to drive.
The reasoning is that you were not a smoker at the time the policy was issued, and the
premiums were based
on your health at that time, not your current health, so taking up the habit after your policy is in
effect will not have any
adverse effects.