The Louisville, Ky., health insurer both "increased its Medicare Advantage membership," "benefited from patients' recent lower demand for health-care services" and also "sought to get out in front of an anticipated effect of the federal health-care overhaul, taking a charge related to new requirements for its medical-loss ratio," in attaining 21 percent profits, The Wall Street Journal reports. Humana had "a large increase in Medicare Advantage membership, offset by a major slide in employer-sponsored health-plan enrollment... 
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