Company: HUM
Filing Date: 2025-03-28
Form Type: 424B5
Source: 0001628280-25-015313
Chunk: 42

Company: HUMANA INC
Filing Date: 2025-03-28
Form: 424B5
Chunk 42
---
including the sale, exchange, redemption, retirement or other taxable disposition of the additional 2031 notes), whether the foreign entities are acting as beneficial owners or as intermediaries. The applicable withholding agent is likely to treat any payment of pre-issuance accrued stated interest in the same manner as stated interest. This withholding tax applies to a foreign entity, whether acting as a beneficial owner or an intermediary, unless such foreign entity complies with certain information reporting requirements regarding its U.S. account holders and its U.S. owners, and in the case of a foreign financial institution, complies with certain withholding obligations regarding certain payments to its account

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holders and certain other persons. Accordingly, the entity through which a United States Holder or a non-U.S. Holder holds its additional 2031 notes will affect the determination of whether such withholding is required. An intergovernmental agreement between the United States and an applicable foreign country, or future United States Treasury regulations or other guidance, may modify these requirements. Under proposed Treasury regulations, which may be relied upon until final regulations are issued, the withholding provisions of FATCA do not apply to payments of gross proceeds from a disposition of a note and, consequently, FATCA withholding on gross proceeds is not currently expected to apply. We will not pay any additional amounts to United States Holders or non-U.S. Holders in respect of any amounts withheld under FATCA. United States Holders that own their interests in an additional 2031 note through a foreign entity or intermediary, and non-U.S. Holders, are encouraged to consult their tax advisors regarding FATCA.

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### UNDERWRITING
Subject to the terms and conditions set forth in an underwriting agreement among us and J.P. Morgan Securities LLC and Barclays Capital Inc., as representatives of each of the underwriters named below, dated March 26, 2025, we have agreed to sell to the underwriters, and each of the underwriters, severally and not jointly, has agreed to purchase from us, the aggregate principal amount of the additional 2031 notes set forth opposite its name below:

| Underwriters                   |     | Aggregate                
 Principal Amount         
 of Additional 2031 Notes |             |
|:-------------------------------|:----|:-------------------------|------------:|
| J.P. Morgan Securities LLC     |     | $                        | 150,000,000