Changes to government rules and regulations can negatively affect Humana… … "Govt Regulations (Humana)" has a significant impact, so an analyst should put more weight into it. "Govt Regulations (Humana)" will have a long-term negative impact on this entity, which subtracts from the entity's value. This statement will lead to a decrease in profits. "Govt Regulations (Humana)" is a difficult qualitative factor to overcome, so the investment will have to spend a lot of time trying to overcome this issue.