-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 MzOopvKHApCSrLfBZ5ROQVVbS8x1TLGpWhA5xSSdccCmtxlbyfbgc1YA2xhm/UY6
 iiwEStWM9FQlAcgx3/+/ig==

<SEC-DOCUMENT>0000049071-00-000013.txt : 20000203
<SEC-HEADER>0000049071-00-000013.hdr.sgml : 20000203
ACCESSION NUMBER:		0000049071-00-000013
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20000131
FILED AS OF DATE:		20000201

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:		4
		SEC ACT:		
		SEC FILE NUMBER:	001-05975
		FILM NUMBER:		518700

	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:			GELLERT MICHAEL E
	CENTRAL INDEX KEY:			0001018650
	STANDARD INDUSTRIAL CLASSIFICATION:	 []
<RELATIONSHIP>DIRECTOR

FILING VALUES:
	FORM TYPE:		4

BUSINESS ADDRESS:	
	STREET 1:		500 WEST MAIN STREET
	CITY:			LOUISVILLE
	STATE:			KY
	ZIP:			40202
	BUSINESS PHONE:		5025803778

MAIL ADDRESS:	
	STREET 1:		500 WEST MAIN STREET
	CITY:			LOUISVILLE
	STATE:			KY
	ZIP:			40202
</REPORTING-OWNER>
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<DESCRIPTION>FORM 4 - JANUARY 31, 2000
<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
   Gellert, Michael E.
   Windcrest Partners
   122 East 42nd Street, 34th Floor
   New York, NY  10168-0130
   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, 2000
5. If Amendment, Date of Original (Month/Year)

6. Relationship of Reporting Person(s) to Issuer (Check all applicable)
   (X) Director ( ) 10% Owner ( ) Officer (give title below) ( ) Other
   (specify below)

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)                 |1/3/00|A (3|V|1,000             |A  |$.1667     |123,700            |D     |                           |
                           |      |)   | |                  |   |           |                   |      |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
___________________________________________________________________________________________________________________________________|
<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 (2)            |$17.625 |     |    | |           |   |1/3/9|1/3/0|Common (1)  |5,000  |       |5,000       |D  |            |
                      |        |     |    | |           |   |5    |4    |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option (2)            |$22.4375|     |    | |           |   |1/3/9|1/3/0|Common (1)  |5,000  |       |5,000       |D  |            |
                      |        |     |    | |           |   |6    |5    |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option (2)            |$26.9375|     |    | |           |   |1/2/9|1/2/0|Common (1)  |5,000  |       |5,000       |D  |            |
                      |        |     |    | |           |   |7    |6    |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option (2)            |$18.9375|     |    | |           |   |1/2/9|1/2/0|Common (1)  |5,000  |       |5,000       |D  |            |
                      |        |     |    | |           |   |8    |7    |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option (2)            |$21.25  |     |    | |           |   |1/2/9|1/2/0|Common (1)  |5,000  |       |5,000       |D  |            |
                      |        |     |    | |           |   |9    |8    |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(2)             |18.7813 |     |    | |           |   |1/4/0|1/4/0|Common (1)  |5,000  |       |5,000       |D  |            |
                      |        |     |    | |           |   |0    |9    |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Option(2)             |7.875   |1/3/0|A   |V|5,000      |A  |1/3/0|1/3/1|Common (1)  |5,000  |       |5,000       |D  |            |
                      |        |0    |    | |           |   |1    |0    |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
                      |        |     |    | |           |   |     |     |            |       |       |            |   |            |
___________________________________________________________________________________________________________________________________|
</TABLE>
Explanation of Responses:
(1)  Each share of Common Stock contains a Right adopted on March 5, 1987,
pursuant to the Company's Rights
Agreement, as amended and restated on February 14, 1996, and amended as of May
27, 1998 and March 1,
1999, 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)  Right to buy pursuant to the Company's 1989 Stock Option Plan for
Non-Employee Directors.
(3)  Award of stock in lieu of director fees exempt under
16(b)-3(d)(1).

</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
