Humana Fl client me today..just recvd letter from Humana stating "stay w/plan A ($370 Mo) or switch to plan B ($685 Mo) - I clld Humana & was told that if client does not reply by 12/31/13, existing plan (humana HSA) will be terminated- WTF, maybe I'm out of the loop but do I need to contact all clients to let them know that they MUST call & opt for a plan? Opt letter looks like junk mail so most ppl aren't even going to read-very sneaky!!