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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-K
ÈANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For the fiscal year ended December 31, 2004
OR
‘TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For the transition period from to
Commission file number 1-5975
HUMANA INC.
(Exact name of registrant as specified in its charter)
Delaware 61-0647538
(State of incorporation) (I.R.S. Employer Identification Number)
500 West Main Street
Louisville, Kentucky 40202
(Address of principal executive offices) (Zip Code)
Registrant’s telephone number, including area code: (502) 580-1000
Securities registered pursuant to Section 12(b) of the Act:
Title of each class Name of exchange on which registered
Common stock, $0.16
2
⁄
3
par value New York Stock Exchange
7.25% Senior Notes, due August 2006 —
6.30% Senior Notes, due August 2018 —
Securities registered pursuant to Section 12(g) of the Act:
None
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or
15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the
Registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90
days. Yes ÈNo ‘
Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of the Regulation S-K is not
contained herein, and will not be contained, to the best of Registrant’s knowledge, in the Registrant’s definitive
proxy or information statements incorporated by reference in Parts I, II and III of this Form 10-K or any
amendment to this Form 10-K. È
Indicate by check mark whether the registrant is an accelerated filer (as defined in Rule 12b-2 of the Act).
Yes ÈNo ‘
The aggregate market value of voting stock held by non-affiliates of the Registrant as of June 30, 2004 was
$2,506,987,693 calculated using the average price on such date of $16.60.
The number of shares outstanding of the Registrant’s Common Stock as of January 31, 2005 was
160,815,801.
DOCUMENTS INCORPORATED BY REFERENCE
Parts I, II and III incorporate herein by reference portions of the Registrant’s Proxy Statement filed pursuant
to Regulation 14A covering the Annual Meeting of Stockholders scheduled to be held April 26, 2005.