Company: HUM
Filing Date: 2025-03-03
Form Type: 424B5
Source: 0001628280-25-009237
Chunk: 11

Company: HUMANA INC
Filing Date: 2025-03-03
Form: 424B5
Chunk 11
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 base indenture dated as of August 5, 2003 (the “base indenture”), between Humana and The Bank of New York Mellon Trust Company, N.A. (formerly known as The Bank of New York Trust Company, N.A.) (as successor to The Bank of New York), as trustee (the “trustee”), as supplemented by separate supplemental indentures to be dated as of , 2025.

As used in this section, all references to the indenture mean the indenture for each series of notes, in each case consisting of the base indenture as supplemented by the applicable supplemental indenture. The terms of the notes include those expressly set forth in the indenture and those made part of the indenture by reference to the Trust Indenture Act of 1939, as amended, or the TIA.

This description of the notes is intended to be an overview of the material provisions of the notes and the indenture. Because this description of the notes and the indenture is only a summary, you should refer to the indenture for a complete description of our obligations and your rights.

In this description of the notes, references to “Humana,” the “issuer,” “we,” “our,” and “us” refer to Humana Inc. and do not include its subsidiaries.

#### General
The 20 notes:

• will be our senior unsecured obligations;

• will constitute a series of debt securities issued under the indenture and will initially be limited to an aggregate principal amount of $ ;

• will mature on , 20 ;

• will be subject to earlier redemption at our option as described under “—Optional Redemption”;

• will be subject to repurchase by us, in whole or in part, at the option of the holders upon certain specified changes of control as described under “—Offer to Repurchase Upon Change of Control Triggering Event”;

• will not have the benefit of any sinking fund;

• will be issued in denominations of $2,000 and integral multiples of $1,000 in excess thereof; and

• will be represented by one or more registered notes in global form, but in certain limited circumstances may be represented by notes in certificated form. See “—Book-Entry Issuance.”

Interest on the 20 notes will:

• accrue at the rate of % per annum;

• accrue from , 2025 or the most recent interest payment date on which interest was paid;

• be payable in cash semi-annually in arrears