Company: HUM
Filing Date: 2025-03-26
Form Type: 424B5
Source: 0001628280-25-014916
Chunk: 14

Company: HUMANA INC
Filing Date: 2025-03-26
Form: 424B5
Chunk 14
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 interest will accrue on that payment for the period from and after the interest payment date or maturity date, as the case may be, to the date of the payment on the next business day.

#### Additional Issuances
We may from time to time, without the consent of existing holders, create and issue further additional notes having the same terms and conditions as the notes in all respects, except for date of issue, price of issue and, if applicable, the first payment of interest on the further additional notes. Further additional notes issued in this manner will be consolidated with, and will form a single series with, the notes. If any such further additional notes are not fungible with the notes for U.S. federal income tax purposes, they will be issued with a different CUSIP number (or other applicable identifying number).

#### Ranking
The notes are our senior and unsecured indebtedness and rank equally with all of our other existing and future senior and unsecured indebtedness. The notes will be effectively junior to any of our future secured indebtedness, to the extent of the assets securing that indebtedness, and to all indebtedness and other liabilities of our subsidiaries. As of December 31, 2024, after giving effect to the issuance and sale on March 5, 2025 of the 2035 Notes and the 2055 Notes and to this offering and the use of proceeds therefrom, we would have had $ of other senior debt that ranks equal in right of payment with the notes and no secured debt that would be effectively senior to the notes. Indebtedness of our subsidiaries and obligations and liabilities of our subsidiaries are structurally senior to the notes since, in the event of our bankruptcy, liquidation, dissolution, reorganization or other winding up, the assets of our subsidiaries will be available to pay the notes only after the subsidiaries’ indebtedness and obligations and liabilities are paid in full. Because we stand as an equity holder, rather than a creditor, of our subsidiaries, creditors of those subsidiaries will have their debt satisfied out of the subsidiaries’ assets before our creditors, including the noteholders. Because our operations are and will be conducted by our subsidiaries, these subsidiaries have incurred and will continue to incur significant obligations and liabilities.

#### Exchange and Transfer
You may exchange or transfer the notes in accordance with the indenture. You will not be required to pay a service charge to exchange or transfer the notes, but you may be required to pay for any tax or other governmental charge associated with the exchange or transfer.