-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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<SEC-DOCUMENT>0000049071-03-000020.txt : 20030317
<SEC-HEADER>0000049071-03-000020.hdr.sgml : 20030317
<ACCEPTANCE-DATETIME>20030317164226
ACCESSION NUMBER:		0000049071-03-000020
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030313
FILED AS OF DATE:		20030317

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:		03606282

	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:			MCCALLISTER MICHAEL B
		CENTRAL INDEX KEY:			0001018657
		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
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>edgar.txt
<DESCRIPTION>FORM 4 - MARCH 13, 2003
<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
   McCallister, Michael B.
   500 West Main Street
   Louisville, KY  40202
   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
   March 13, 2003
5. If Amendment, Date of Original (Month/Year)

6. Relationship of Reporting Person(s) to Issuer (Check all applicable)
   (X) Director ( ) 10% Owner (X) Officer (give title below) ( ) Other
   (specify below)
   President and Chief Executive 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)                 |      |    | |                  |   |           |225,000            |D     |                           |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common (1)                 |      |    | |                  |   |           |31,035             |I     |Trust(6)                   |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common (1)                 |      |    | |                  |   |           |38,844             |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>
Common-NQ/ISO(2)      |6.5625  |     |    | |           |   |04/14|04/14|Common (1)  |31,250 |       |31,250      |D  |            |
                      |        |     |    | |           |   |/95  |/03  |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
CommonNQ/ISO(2)       |6.5625  |     |    | |           |   |04/14|04/14|Common (1)  |31,250 |       |31,250      |D  |            |
                      |        |     |    | |           |   |/96  |/03  |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(2)             |6.5625  |     |    | |           |   |04/14|04/14|Common (1)  |31,250 |       |31,250      |D  |            |
                      |        |     |    | |           |   |/97  |/03  |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(2)             |6.5625  |     |    | |           |   |04/14|04/14|Common (1)  |31,250 |       |31,250      |D  |            |
                      |        |     |    | |           |   |/98  |/03  |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |15.625  |     |    | |           |   |07/11|07/11|Common (1)  |45,000 |       |45,000      |D  |            |
                      |        |     |    | |           |   |/97  |/06  |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |15.625  |     |    | |           |   |07/11|07/11|Common (1)  |45,000 |       |45,000      |D  |            |
                      |        |     |    | |           |   |/98  |/06  |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |15.625  |     |    | |           |   |07/11|07/11|Common (1)  |45,000 |       |45,000      |D  |            |
                      |        |     |    | |           |   |/99  |/06  |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Phantom Stock Units (4|1-for-1 |     |    | |           |   |(4)  |(4)  |Common (1)  |1,181.5|       |1,181.5     |D  |            |
)                     |        |     |    | |           |   |     |     |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |15.5938 |     |    | |           |   |9/17/|1/12/|Common (1)  |29,240 |       |29,240      |D  |            |
                      |        |     |    | |           |   |99   |05   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |15.5938 |     |    | |           |   |9/17/|1/9/0|Common (1)  |12,288 |       |12,288      |D  |            |
                      |        |     |    | |           |   |99   |7    |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |15.5938 |     |    | |           |   |1/9/0|1/9/0|Common (1)  |6,052  |       |6,052       |D  |            |
                      |        |     |    | |           |   |0    |7    |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |15.5938 |     |    | |           |   |9/17/|7/10/|Common (1)  |20,320 |       |20,320      |D  |            |
                      |        |     |    | |           |   |99   |07   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |15.5938 |     |    | |           |   |7/10/|7/10/|Common (1)  |10,160 |       |10,160      |D  |            |
                      |        |     |    | |           |   |00   |07   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common-ISO(5)         |15.5938 |     |    | |           |   |9/17/|1/15/|Common (1)  |4,316  |       |4,316       |D  |            |
                      |        |     |    | |           |   |99   |08   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common-ISO(5)         |15.5938 |     |    | |           |   |1/15/|1/15/|Common (1)  |4,316  |       |4,316       |D  |            |
                      |        |     |    | |           |   |00   |08   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common-ISO(5)         |15.5938 |     |    | |           |   |1/15/|1/15/|Common (1)  |4,316  |       |4,316       |D  |            |
                      |        |     |    | |           |   |01   |08   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common-NQ(5)          |15.5938 |     |    | |           |   |9/17/|1/15/|Common (1)  |7,284  |       |7,284       |D  |            |
                      |        |     |    | |           |   |99   |08   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common-NQ(5)          |15.5938 |     |    | |           |   |1/15/|1/15/|Common (1)  |7,284  |       |7,284       |D  |            |
                      |        |     |    | |           |   |00   |08   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common-NQ(5)          |15.5938 |     |    | |           |   |1/15/|1/15/|Common (1)  |7,284  |       |7,284       |D  |            |
                      |        |     |    | |           |   |01   |08   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |19.25   |     |    | |           |   |1/15/|1/15/|Common (1)  |10,000 |       |10,000      |D  |            |
                      |        |     |    | |           |   |00   |09   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |19.25   |     |    | |           |   |1/15/|1/15/|Common (1)  |10,000 |       |10,000      |D  |            |
                      |        |     |    | |           |   |01   |09   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |19.25   |     |    | |           |   |1/15/|1/15/|Common (1)  |4,806  |       |4,806       |D  |            |
                      |        |     |    | |           |   |02   |09   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common-ISO(5)         |19.25   |     |    | |           |   |1/15/|1/15/|Common (1)  |5,194  |       |5,194       |D  |            |
                      |        |     |    | |           |   |02   |09   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |7.4688  |     |    | |           |   |11/18|11/18|Common (1)  |33,334 |       |33,334      |D  |            |
                      |        |     |    | |           |   |/00  |/09  |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |7.4688  |     |    | |           |   |11/18|11/18|Common (1)  |33,333 |       |33,333      |D  |            |
                      |        |     |    | |           |   |/01  |/09  |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |7.4688  |     |    | |           |   |11/18|11/18|Common (1)  |33,333 |       |33,333      |D  |            |
                      |        |     |    | |           |   |/02  |/09  |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |6.9063  |     |    | |           |   |2/11/|2/11/|Common (1)  |166,667|       |166,667     |D  |            |
                      |        |     |    | |           |   |01   |10   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |6.9063  |     |    | |           |   |2/11/|2/11/|Common (1)  |166,667|       |166,667     |D  |            |
                      |        |     |    | |           |   |02   |10   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |6.9063  |     |    | |           |   |2/11/|2/11/|Common (1)  |152,187|       |152,187     |D  |            |
                      |        |     |    | |           |   |03   |10   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common-ISO(5)         |6.9063  |     |    | |           |   |2/11/|2/11/|Common (1)  |14,479 |       |14,479      |D  |            |
                      |        |     |    | |           |   |03   |10   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |12.995  |     |    | |           |   |3/13/|3/13/|Common (1)  |16,667 |       |16,667      |D  |            |
                      |        |     |    | |           |   |03   |12   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |12.995  |     |    | |           |   |3/13/|3/13/|Common (1)  |8,972  |       |8,972       |D  |            |
                      |        |     |    | |           |   |04   |12   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |12.995  |     |    | |           |   |3/13/|3/13/|Common (1)  |8,971  |       |8,971       |D  |            |
                      |        |     |    | |           |   |05   |12   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common-ISO(5)         |12.995  |     |    | |           |   |3/13/|3/13/|Common (1)  |7,695  |       |7,695       |D  |            |
                      |        |     |    | |           |   |04   |12   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common-ISO(5)         |12.995  |     |    | |           |   |3/13/|3/13/|Common (1)  |7,695  |       |7,695       |D  |            |
                      |        |     |    | |           |   |05   |12   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |9.26    |3/13/|A   | |66,667     |A  |3/13/|3/13/|Common (1)  |66,667 |       |66,667      |D  |            |
                      |        |03   |    | |           |   |04   |13   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |9.26    |3/13/|A   | |66,667     |A  |3/13/|3/13/|Common (1)  |66,667 |       |66,667      |D  |            |
                      |        |03   |    | |           |   |05   |13   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |9.26    |3/13/|A   | |55,867     |A  |3/13/|3/13/|Common (1)  |55,867 |       |55,867      |D  |            |
                      |        |03   |    | |           |   |06   |13   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
Common-ISO(5)         |9.26    |3/13/|A   | |10,799     |A  |3/13/|3/13/|Common (1)  |10,799 |       |10,799      |D  |            |
                      |        |03   |    | |           |   |06   |13   |            |       |       |            |   |            |
- -----------------------------------------------------------------------------------------------------------------------------------|
                      |        |     |    | |           |   |     |     |            |       |       |            |   |            |
___________________________________________________________________________________________________________________________________|
</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) Shares held for my benefit as of February 28, 2003 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).
(4)  Phantom Stock Units held for my benefit as of February 28, 2003, under the
Humana Excess Plan exempt under Rule 16b-3(d).
(5)  Right to buy pursuant to the Company's 1996 Stock Incentive Plan for
Employees.
(6)  Shares held by a  FamilyTrust ("Trust") of which my wife and I are
trustees.  I disclaim beneficial ownership of Company stock held by the Trust
except to the extent of my pecuniary interest.

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