Company: HUM
Filing Date: 2025-03-04
Form Type: 424B5
Source: 0001628280-25-009923
Chunk: 39

Company: HUMANA INC
Filing Date: 2025-03-04
Form: 424B5
Chunk 39
---
 the Internal Revenue Code and the Treasury regulations thereunder; or

• stated interest on your notes is effectively connected with your conduct of a trade or business within the United States.

#### Foreign Account Tax Compliance Act
The Foreign Account Tax Compliance Act and related Treasury guidance (collectively referred to as “FATCA”) impose United States federal withholding tax at a rate of 30% on payments to certain foreign entities of (i) United States source interest (including interest paid on the notes) and (ii) the gross proceeds from the sale or other disposition of an obligation that produces United States source interest (including the sale, exchange, redemption, retirement or other taxable disposition of the notes), whether the foreign entities are acting as beneficial owners or as

<div align='center'>S-24</div>

Table of Contents

intermediaries. 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 holders and certain other persons. Accordingly, the entity through which a United States Holder or a non-U.S. Holder holds its 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 a note through a foreign entity or intermediary, and non-U.S. Holders, are encouraged to consult their tax advisors regarding FATCA.

<div align='center'>S-25</div>

Table of Contents

### UNDERWRITING
Subject to the terms and conditions set forth in an underwriting agreement among us and Barclays Capital Inc., BofA Securities, Inc., J.P. Morgan Securities LLC, Mizuho Securities USA LLC and U.S. Bancorp Investments, Inc., as representatives of each of the underwriters named below, dated March 3, 2025,