<SUBMISSION>
<ACCESSION-NUMBER>0000049071-98-000015
<TYPE>4
<PUBLIC-DOCUMENT-COUNT>1
<PERIOD>19980131
<FILING-DATE>19980210
<SROS>NYSE
<SUBJECT-COMPANY>
<COMPANY-DATA>
<CONFORMED-NAME>HUMANA INC
<CIK>0000049071
<ASSIGNED-SIC>6324
<IRS-NUMBER>610647538
<STATE-OF-INCORPORATION>DE
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>4
<ACT>34
<FILE-NUMBER>001-05975
<FILM-NUMBER>98527615
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>500 W MAIN ST
<CITY>LOUISVILLE
<STATE>KY
<ZIP>40202
<PHONE>5025803708
</BUSINESS-ADDRESS>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>EXTENDICARE INC
<DATE-CHANGED>19740404
</FORMER-COMPANY>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>HERITAGE HOUSE OF AMERICA INC
<DATE-CHANGED>19671129
</FORMER-COMPANY>
</SUBJECT-COMPANY>
<REPORTING-OWNER>
<COMPANY-DATA>
<CONFORMED-NAME>ZACHARIAS TOD J
<CIK>0001030271
<ASSIGNED-SIC>
<RELATIONSHIP>OFFICER
<IRS-NUMBER>392641322
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>4
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>1100 EMPLOYERS BLVD
<CITY>GREEN BAY
<STATE>WI
<ZIP>54344
<PHONE>4143361000
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>500 WEST MAIN STREET
<CITY>LOUISVILLE
<STATE>KY
<ZIP>40202
</MAIL-ADDRESS>
</REPORTING-OWNER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<DESCRIPTION>FORM 4 - JANUARY 31, 1998
<TEXT>

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 4
STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP
( ) Check this box if no longer subject to Section 16.
Form 4 or Form 5 obligations may continue. See Instructions 1(b).
1. Name and Address of Reporting Person
   Zacharias, Tod J.
   Employers Health Insurance Company
   1100 Employers Boulevard
   Green Bay, WI  54344
   USA
2. Issuer Name and Ticker or Trading Symbol
   Humana Inc.
   HUM
3. IRS or Social Security Number of Reporting Person (Voluntary)
   
4. Statement for Month/Year
   January 31, 1998
5. If Amendment, Date of Original (Month/Year)
   
6. Relationship of Reporting Person(s) to Issuer (Check all applicable)
   ( ) Director ( ) 10% Owner (X) Officer (give title below) ( ) Other
   (specify below)
   Vice President
7. Individual or Joint/Group Filing (Check Applicable Line)
   (X) Form filed by One Reporting Person
   ( ) Form filed by More than One Reporting Person
<TABLE>
<CAPTION>
___________________________________________________________________________________________________________________________________
 Table I -- Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned                                                 |
___________________________________________________________________________________________________________________________________|
1. Title of Security       |2.    |3.    |4.Securities Acquired (A)         |5.Amount of        |6.Dir |7.Nature of Indirect       |
                           | Transaction |  or Disposed of (D)              |  Securities       |ect   |  Beneficial Ownership     |
                           |      |      |                                  |  Beneficially     |(D)or |                           |
                           |      |    | |                  | A/|           |  Owned at         |Indir |                           |
                           | Date |Code|V|    Amount        | D |    Price  |  End of Month     |ect(I)|                           |
___________________________________________________________________________________________________________________________________|
<S>                        <C>    <C>  <C><C>               <C> <C>         <C>                 <C>    <C>
Common (1)                 |      |    | |                  |   |           |4,000              |D     |                           |
-----------------------------------------------------------------------------------------------------------------------------------|
Common (1)                 |      |    | |                  |   |           |8,260.5            |I     |HRSP(2)                    |
-----------------------------------------------------------------------------------------------------------------------------------|
___________________________________________________________________________________________________________________________________|
<CAPTION>
___________________________________________________________________________________________________________________________________
 Table II -- Derivative Securitites Acquired, Disposed of, or Beneficially Owned                                                   |
___________________________________________________________________________________________________________________________________|
1.Title of Derivative |2.Con-  |3.   |4.    |5.Number of De |6.Date Exer|7.Title and Amount  |8.Price|9.Number    |10.|11.Nature of|
  Security            |version |Transaction | rivative Secu |cisable and|  of Underlying     |of Deri|of Deriva   |Dir|Indirect    |
                      |or Exer |     |      | rities Acqui  |Expiration |  Securities        |vative |tive        |ect|Beneficial  |
                      |cise    |     |      | red(A) or Dis |Date(Month/|                    |Secu   |Securities  |(D)|Ownership   |
                      |Price of|     |      | posed of(D)   |Day/Year)  |                    |rity   |Benefi      |or |            |
                      |Deriva- |     |      |               |Date |Expir|                    |       |ficially    |Ind|            |
                      |tive    |     |      |           | A/|Exer-|ation|   Title and Number |       |Owned at    |ire|            |
                      |Secu-   |     |    | |           | D |cisa-|Date |   of Shares        |       |End of      |ct |            |
                      |rity    |Date |Code|V|  Amount   |   |ble  |     |                    |       |Month       |(I)|            |
___________________________________________________________________________________________________________________________________|
<S>                   <C>      <C>   <C>  <C><C>        <C> <C>   <C>   <C>          <C>     <C>     <C>          <C> <C>
Option (3)            |22.625  |     |    | |           |   |11/16|11/16|Common (1)  |6,250  |       |6,250       |D  |            |
                      |        |     |    | |           |   |/97  |/05  |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option (3)            |22.625  |     |    | |           |   |11/16|11/16|Common (1)  |6,250  |       |6,250       |D  |            |
                      |        |     |    | |           |   |/98  |/05  |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option (3)            |22.625  |     |    | |           |   |11/16|11/16|Common (1)  |6,250  |       |6,250       |D  |            |
                      |        |     |    | |           |   |/99  |/05  |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option (3)            |22.625  |     |    | |           |   |11/16|11/16|Common (1)  |6,250  |       |6,250       |D  |            |
                      |        |     |    | |           |   |/00  |/05  |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option (4)            |19.1875 |     |    | |           |   |8/12/|8/12/|Common (1)  |20,000 |       |20,000      |D  |            |
                      |        |     |    | |           |   |97   |06   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option (4)            |19.1875 |     |    | |           |   |8/12/|8/12/|Common (1)  |20,000 |       |20,000      |D  |            |
                      |        |     |    | |           |   |98   |06   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option (4)            |19.1875 |     |    | |           |   |8/12/|8/12/|Common (1)  |20,000 |       |20,000      |D  |            |
                      |        |     |    | |           |   |99   |06   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option (4)            |18.8125 |     |    | |           |   |1/9/9|1/9/0|Common (1)  |13,334 |       |13,334      |D  |            |
                      |        |     |    | |           |   |8    |7    |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option (4)            |18.8125 |     |    | |           |   |1/9/9|1/9/0|Common (1)  |13,333 |       |13,333      |D  |            |
                      |        |     |    | |           |   |9    |7    |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option (4)            |18.8125 |     |    | |           |   |1/9/0|1/9/0|Common (1)  |13,333 |       |13,333      |D  |            |
                      |        |     |    | |           |   |0    |7    |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option-ISO (4)        |20.1563 |1/15/|A   |V|           |   |1/15/|1/15/|Common (1)  |4,961  |       |4,961       |D  |            |
                      |        |98   |    | |           |   |99   |08   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option-ISO (4)        |20.1563 |1/15/|A   |V|           |   |1/15/|1/15/|Common (1)  |4,961  |       |4,961       |D  |            |
                      |        |98   |    | |           |   |00   |08   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option-ISO (4)        |20.1563 |1/15/|A   |V|           |   |1/15/|1/15/|Common (1)  |4,961  |       |4,961       |D  |            |
                      |        |98   |    | |           |   |01   |08   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option-NQ (4)         |20.1563 |1/15/|A   |V|           |   |1/15/|1/15/|Common (1)  |3,373  |       |3,373       |D  |            |
                      |        |98   |    | |           |   |99   |08   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option-NQ (4)         |20.1563 |1/15/|A   |V|           |   |1/15/|1/15/|Common (1)  |3,372  |       |3,372       |D  |            |
                      |        |98   |    | |           |   |00   |08   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option-NQ (4)         |20.1563 |1/15/|A   |V|           |   |1/15/|1/15/|Common (1)  |3,372  |       |3,372       |D  |            |
                      |        |98   |    | |           |   |01   |08   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
                      |        |     |    | |           |   |     |     |            |       |       |            |   |            |
___________________________________________________________________________________________________________________________________|
</TABLE>
Explanation of Responses:
(1) Each share of Common Stock contains a Right adopted on March 5, 1987, as 
amended and restated on 
February 14, 1996, pursuant to the Company Rights Agreement, which entitles 
holders of the Company's Common 
Stock, in the event  certain specified events occur, to acquire 1/100 of a 
share of Series A Participating Preferred 
Stock at a price of $145 per fractional 
share.
(2)  Shares held for my benefit as of December 31, 1997, under the Humana 
Retirement and Savings Plan 
("HRSP") exempt under Rule 
16b-3(c).
(3)  Right to buy pursuant to the Company's 1989 Stock Option Plan for 
Employees.
(4)  Right to buy pursuant to the Company's 1996 Stock Incentive 
Plan.

</TEXT>
</DOCUMENT>
</SUBMISSION>
