Company: HUM
Filing Date: 2025-03-26
Form Type: 424B5
Source: 0001628280-25-014916
Chunk: 13

Company: HUMANA INC
Filing Date: 2025-03-26
Form: 424B5
Chunk 13
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 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 additional 20 notes:

• will be our senior unsecured obligations;

• will constitute a single series with the existing 20 notes issued under the indenture and will initially be limited to an aggregate principal amount of $ ; provided that, upon the issuance of the additional 20 notes offered hereby and together with the previously issued $ in aggregate principal amount of the existing 20 notes, the outstanding principal amount of the 20 notes will be $ ;

• 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.”

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Table of Content s

Interest on the additional 20 notes will:

• accrue at the rate of % per annum;

• accrue from , 20 (the most recent interest payment date of the existing 20 notes on which interest was paid); such accrued interest from , 20 to but excluding the settlement date must be paid by the purchasers of the additional 20 notes offered hereby;

• be payable in cash semi-annually in arrears on and of each year, commencing on , 2025;

• be payable to the holders of record on the and immediately preceding the related interest payment date; and

• be computed on the basis of a 360-day year comprised of twelve 30-day months.

If any interest payment date or maturity date for the additional 20 notes falls on a day that is not a business day, the required payment of principal or interest will be made on the next business day as if made on the date that payment was due, and no