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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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<SEC-DOCUMENT>0000049071-02-000091.txt : 20021220
<SEC-HEADER>0000049071-02-000091.hdr.sgml : 20021220
<ACCEPTANCE-DATETIME>20021220101917
ACCESSION NUMBER:		0000049071-02-000091
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20021219
FILED AS OF DATE:		20021220

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:		1934 Act
		SEC FILE NUMBER:	001-05975
		FILM NUMBER:		02863956

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

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	HERITAGE HOUSE OF AMERICA INC
		DATE OF NAME CHANGE:	19671129

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

REPORTING-OWNER:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			LORD JONATHAN T MD
		CENTRAL INDEX KEY:			0001112980
		RELATIONSHIP:				OFFICER

	FILING VALUES:
		FORM TYPE:		4

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

	MAIL ADDRESS:	
		STREET 1:		500 WEST MAIN ST.
		CITY:			LOUISVILLE
		STATE:			KY
		ZIP:			40202
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>edgar.txt
<DESCRIPTION>FORM 4 - DECEMBER 19, 2002
<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
   Lord, M.D., Jonathan T.
   Humana Inc.
   500 West Main Street
   Louisville, KY  40202
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
   December 19, 2002
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)
   Senior Vice President and Chief Innovation Officer
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)                  |12/19/|M   | |25,000            |A  |$6.625     |                   |      |                           |
                           |02    |    | |                  |   |           |                   |      |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(1)                  |12/19/|S   | |25,000            |D  |$10.36     |100,000            |D     |                           |
                           |02    |    | |                  |   |           |                   |      |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(1)                  |      |    | |                  |   |           |412                |I     |HRSP(3)                    |
- -----------------------------------------------------------------------------------------------------------------------------------|
___________________________________________________________________________________________________________________________________|
<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>
Options-NQ (2)        |6.6250  |12/19|M   | |19,906     |A  |5/18/|5/18/|Common (1)  |0      |       |0           |D  |            |
                      |        |/02  |    | |           |   |01   |10   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Options-NQ (2)        |6.6250  |12/19|M   | |5,094      |A  |5/18/|5/18/|Common (1)  |29,812 |       |29,812      |D  |            |
                      |        |/02  |    | |           |   |02   |10   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Options-NQ (2)        |6.6250  |     |    | |           |   |5/18/|5/18/|Common (1)  |34,906 |       |34,906      |D  |            |
                      |        |     |    | |           |   |03   |10   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Options-ISO (2)       |6.6250  |     |    | |           |   |5/18/|5/18/|Common (1)  |15,094 |       |15,094      |D  |            |
                      |        |     |    | |           |   |01   |10   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Options-ISO (2)       |6.6250  |     |    | |           |   |5/18/|5/18/|Common (1)  |15,094 |       |15,094      |D  |            |
                      |        |     |    | |           |   |02   |10   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Options-ISO (2)       |6.6250  |     |    | |           |   |5/18/|5/18/|Common (1)  |15,094 |       |15,094      |D  |            |
                      |        |     |    | |           |   |03   |10   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Options-NQ (2)        |12.995  |     |    | |           |   |3/13/|3/13/|Common (1)  |10,000 |       |10,000      |D  |            |
                      |        |     |    | |           |   |03   |12   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Options-NQ (2)        |12.995  |     |    | |           |   |3/13/|3/13/|Common (1)  |2,305  |       |2,305       |D  |            |
                      |        |     |    | |           |   |04   |12   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Options-NQ (2)        |12.995  |     |    | |           |   |3/13/|3/13/|Common (1)  |2,305  |       |2,305       |D  |            |
                      |        |     |    | |           |   |05   |12   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Options-ISO (2)       |12.995  |     |    | |           |   |3/13/|3/13/|Common (1)  |7,695  |       |7,695       |D  |            |
                      |        |     |    | |           |   |04   |12   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Options-ISO (2)       |12.995  |     |    | |           |   |3/13/|3/13/|Common (1)  |7,695  |       |7,695       |D  |            |
                      |        |     |    | |           |   |05   |12   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
                      |        |     |    | |           |   |     |     |            |       |       |            |   |            |
___________________________________________________________________________________________________________________________________|
</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
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)  Right to buy pursuant to Company's 1996 Stock Incentive Plan for
Employees.
(3)  Shares held for my benefit as of November 30, 2002 under the Humana
Retirement & 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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