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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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<SEC-DOCUMENT>0000049071-00-000011.txt : 20000202
<SEC-HEADER>0000049071-00-000011.hdr.sgml : 20000202
ACCESSION NUMBER:		0000049071-00-000011
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20000113
FILED AS OF DATE:		20000121

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HUMANA INC
		CENTRAL INDEX KEY:			0000049071
		STANDARD INDUSTRIAL CLASSIFICATION:	HOSPITAL & MEDICAL SERVICE PLANS [6324]
		IRS NUMBER:				610647538
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		
		SEC FILE NUMBER:	001-05975
		FILM NUMBER:		510723

	BUSINESS ADDRESS:	
		STREET 1:		500 W MAIN ST
		CITY:			LOUISVILLE
		STATE:			KY
		ZIP:			40202
		BUSINESS PHONE:		5025801000

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	EXTENDICARE INC
		DATE OF NAME CHANGE:	19740404

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	HERITAGE HOUSE OF AMERICA INC
		DATE OF NAME CHANGE:	19671129
<REPORTING-OWNER>

COMPANY DATA:	
	COMPANY CONFORMED NAME:			MARGULIS HEIDI S
	CENTRAL INDEX KEY:			0001103605
	STANDARD INDUSTRIAL CLASSIFICATION:	 []
<RELATIONSHIP>OFFICER

FILING VALUES:
	FORM TYPE:		3

BUSINESS ADDRESS:	
	STREET 1:		C/O HUMANA INC
	STREET 2:		500 W. MAIN ST
	CITY:			LOUISVILLE
	STATE:			KY
	ZIP:			40202
	BUSINESS PHONE:		5025801000

MAIL ADDRESS:	
	STREET 1:		C/O HUMANA INC
	STREET 2:		500 W. MAIN ST
	CITY:			LOUISVILLE
	STATE:			KY
	ZIP:			40202
</REPORTING-OWNER>
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<DESCRIPTION>FORM 3 - JANUARY 13, 2000
<TEXT>

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 3
INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES
1. Name and Address of Reporting Person
   Margulis, Heidi S.
   500 West Main Street
   Louisville, KY  40202
2. Date of Event Requiring Statement (Month/Day/Year)
   January 13, 2000
3. IRS or Social Security Number of Reporting Person (Voluntary)

4. Issuer Name and Ticker or Trading Symbol
   Humana Inc.
   HUM
5. Relationship of Reporting Person(s) to Issuer (Check all applicable)
   ( ) Director  ( ) 10% Owner  (X) Officer (give title below) ( ) Other
   (specify below)
   Senior Vice President - Government Affairs
6. If Amendment, Date of Original (Month/Day/Year)

7. Individual or Joint/Group Filing (Check Applicable Line)
   ( ) Form filed by One Reporting Person
   ( ) Form filed by More than One Reporting Person
<TABLE>
<CAPTION>
___________________________________________________________________________________________________________________________________
 Table I -- Non-Derivative Securities Beneficially Owned                                                                           |
___________________________________________________________________________________________________________________________________|
1. Title of Security                       |2. Amount of          |3. Ownership    |4. Nature of Indirect                          |
                                           |   Securities         |   Form:        |   Beneficial Ownership                        |
                                           |   Beneficially       |   Direct(D) or |                                               |
                                           |   Owned              |   Indirect(I)  |                                               |
___________________________________________________________________________________________________________________________________|
<S>                                        <C>                    <C>              <C>
Common (1)                                 |25,325                |D               |                                               |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common (1)                                 |3,941                 |I               |HRSP (4)                                       |
- -----------------------------------------------------------------------------------------------------------------------------------|
___________________________________________________________________________________________________________________________________|
<CAPTION>
___________________________________________________________________________________________________________________________________
 Table II -- Derivative Securitites Beneficially Owned                                                                             |
___________________________________________________________________________________________________________________________________|
1.Title of Derivative   |2.Date Exer-       |3.Title and Amount     |         |4. Conver-|5. Owner-    |6. Nature of Indirect      |
  Security              |  cisable and      |  of Underlying        |         |sion or   |ship         |   Beneficial Ownership    |
                        |  Expiration       |  Securities           |         |exercise  |Form of      |                           |
                        |  Date(Month/      |-----------------------|---------|price of  |Deriv-       |                           |
                        |  Day/Year)        |                       |Amount   |deri-     |ative        |                           |
                        | Date    | Expira- |                       |or       |vative    |Security:    |                           |
                        | Exer-   | tion    |         Title         |Number of|Security  |Direct(D) or |                           |
                        | cisable | Date    |                       |Shares   |          |Indirect(I)  |                           |
___________________________________________________________________________________________________________________________________|
<S>                     <C>       <C>       <C>                     <C>       <C>        <C>           <C>
Option(2)               |4/14/95  |4/14/03  |Common(1)              |6,250    |$6.5625   |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(2)               |4/14/96  |4/14/03  |Common(1)              |6,250    |$6.5625   |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(2)               |4/14/97  |4/14/03  |Common(1)              |6,250    |$6.5625   |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(2)               |4/14/98  |4/14/03  |Common(1)              |6,250    |$6.5625   |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(2)               |4/21/95  |4/21/03  |Common(1)              |1,250    |$8.00     |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(2)               |4/21/96  |4/21/03  |Common(1)              |1,250    |$8.00     |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(2)               |4/21/97  |4/21/03  |Common(1)              |1,250    |$8.00     |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(2)               |4/21/98  |4/21/03  |Common(1)              |1,250    |$8.00     |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(3)               |9/17/99  |1/15/08  |Common(1)              |2,900    |$15.5938  |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(3)               |1/15/00  |1/15/08  |Common(1)              |2,900    |$15.5938  |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(3)               |1/15/01  |1/15/08  |Common(1)              |2,900    |$15.5938  |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(3)               |9/17/99  |1/9/07   |Common(1)              |6,144    |$15.5938  |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(3)               |1/9/00   |1/9/07   |Common(1)              |3,026    |$15.5938  |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(3)               |9/17/99  |9/17/08  |Common(1)              |6,090    |$15.5938  |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(3)               |9/17/99  |1/12/05  |Common(1)              |10,320   |$15.5938  |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(3)               |1/15/00  |1/15/09  |Common(1)              |3,334    |$19.25    |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(3)               |1/15/01  |1/15/09  |Common(1)              |3,333    |$19.25    |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(3)               |1/15/02  |1/15/09  |Common(1)              |3,333    |$19.25    |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(3)               |9/9/00   |9/9/09   |Common(1)              |5,000    |$9.5938   |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(3)               |9/9/01   |9/9/09   |Common(1)              |5,000    |$9.5938   |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(3)               |9/9/02   |9/9/09   |Common(1)              |5,000    |$9.5938   |D            |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
___________________________________________________________________________________________________________________________________|
</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, and amended as of May 27, 1998 and March 1, 1999, pursuant
ot the Company's Rights
Agreement which entitles holders of the Company's Common Stock in the event
certain specified events occur, to
acquire 1/100th of a share of Series A Participating Preferred Stock at a price
of $145 per fractional share.
(2)  Right to buy pursuant to the Company's 1989 Stock Option Plan for
Employees.
(3)  Right to buy pursuant to the Company's 1996 Stock Incentive Plan for
Employees.
(4)  Shares held for my benefit as of December 31, 1999 pursuant to the Humana
Retirement and Savings Plan
("HRSP") and a routine disposition of shares to fund an administrative fee
assessment under a Tax-Conditioned
Plan, exempt under Rule
16b-3(c).

</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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