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
   Murray, James E.
   500 W. Main St.
   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
   April 2, 2003
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)
   Chief Operating Officer-Market & Business Segment Operations
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 I -- Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned                                                 |
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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)|                           |
___________________________________________________________________________________________________________________________________|
                                                                            
Common(1)                  |      |    | |                  |   |           |172,865            |D     |                           |
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Common(1)                  |4/2/03|J(3)| |1,311             |A  |$9.42      |17,809             |I     |HRSP(3)                    |
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___________________________________________________________________________________________________________________________________
 Table II -- Derivative Securitites Acquired, Disposed of, or Beneficially Owned                                                   |
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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)|            |
___________________________________________________________________________________________________________________________________|
                                                                            
Option(2)             |6.5625  |     |    | |           |   |04/14|04/14|Common(1)   |31,250 |       |31,250      |D  |            |
                      |        |     |    | |           |   |/95  |/03  |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option(2)             |6.5625  |     |    | |           |   |04/14|04/14|Common(1)   |31,250 |       |31,250      |D  |            |
                      |        |     |    | |           |   |/96  |/03  |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option(2)             |6.5625  |     |    | |           |   |04/14|04/14|Common(1)   |31,250 |       |31,250      |D  |            |
                      |        |     |    | |           |   |/97  |/03  |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option(2)             |6.5625  |     |    | |           |   |04/14|04/14|Common(1)   |31,250 |       |31,250      |D  |            |
                      |        |     |    | |           |   |/98  |/03  |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option (2)            |15.5938 |     |    | |           |   |9/17/|1/12/|Common (1)  |34,400 |       |34,400      |D  |            |
                      |        |     |    | |           |   |99   |05   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option (4)            |15.5938 |     |    | |           |   |9/17/|1/9/0|Common (1)  |39,936 |       |39,936      |D  |            |
                      |        |     |    | |           |   |99   |7    |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option (4)            |15.5938 |     |    | |           |   |1/9/0|1/9/0|Common (1)  |19,669 |       |19,669      |D  |            |
                      |        |     |    | |           |   |0    |7    |            |       |       |            |   |            |
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Option-ISO(4)         |15.5938 |     |    | |           |   |9/17/|1/15/|Common (1)  |4,316  |       |4,316       |D  |            |
                      |        |     |    | |           |   |99   |08   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option-ISO(4)         |15.5938 |     |    | |           |   |1/15/|1/15/|Common (1)  |4,316  |       |4,316       |D  |            |
                      |        |     |    | |           |   |00   |08   |            |       |       |            |   |            |
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Option-ISO(4)         |15.5938 |     |    | |           |   |1/15/|1/15/|Common (1)  |4,316  |       |4,316       |D  |            |
                      |        |     |    | |           |   |01   |08   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option-NQ(4)          |15.5938 |     |    | |           |   |9/17/|1/15/|Common (1)  |7,284  |       |7,284       |D  |            |
                      |        |     |    | |           |   |99   |08   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option-NQ(4)          |15.5938 |     |    | |           |   |1/15/|1/15/|Common (1)  |7,284  |       |7,284       |D  |            |
                      |        |     |    | |           |   |00   |08   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option-NQ(4)          |15.5938 |     |    | |           |   |1/15/|1/15/|Common (1)  |7,284  |       |7,284       |D  |            |
                      |        |     |    | |           |   |01   |08   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option(4)             |19.25   |     |    | |           |   |1/15/|1/15/|Common (1)  |10,000 |       |10,000      |D  |            |
                      |        |     |    | |           |   |00   |09   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option(4)             |19.25   |     |    | |           |   |1/15/|1/15/|Common (1)  |10,000 |       |10,000      |D  |            |
                      |        |     |    | |           |   |01   |09   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option(4)             |19.25   |     |    | |           |   |1/15/|1/15/|Common (1)  |4,806  |       |4,806       |D  |            |
                      |        |     |    | |           |   |02   |09   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option-ISO(4)         |19.25   |     |    | |           |   |1/15/|1/15/|Common (1)  |5,194  |       |5,194       |D  |            |
                      |        |     |    | |           |   |02   |09   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option(4)             |7.4688  |     |    | |           |   |11/18|11/18|Common (1)  |33,334 |       |33,334      |D  |            |
                      |        |     |    | |           |   |/00  |/09  |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option(4)             |7.4688  |     |    | |           |   |11/18|11/18|Common (1)  |33,333 |       |33,333      |D  |            |
                      |        |     |    | |           |   |/01  |/09  |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option(4)             |7.4688  |     |    | |           |   |11/18|11/18|Common (1)  |33,333 |       |33,333      |D  |            |
                      |        |     |    | |           |   |/02  |/09  |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option-ISO(4)         |12.995  |     |    | |           |   |3/13/|3/13/|Common (1)  |6,667  |       |6,667       |D  |            |
                      |        |     |    | |           |   |03   |12   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option-ISO(4)         |12.995  |     |    | |           |   |3/13/|3/13/|Common (1)  |6,667  |       |6,667       |D  |            |
                      |        |     |    | |           |   |04   |12   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option-ISO(4)         |12.995  |     |    | |           |   |3/13/|3/13/|Common (1)  |6,666  |       |6,666       |D  |            |
                      |        |     |    | |           |   |05   |12   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Phantom Stock Units (5|1-for-1 |     |    | |           |   | (5) |(5)  |Common (1)  |6,004  |       |6,004       |D  |            |
)                     |        |     |    | |           |   |     |     |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option(4)             |9.26    |     |    | |           |   |3/13/|3/13/|Common (1)  |15,224 |       |15,224      |D  |            |
                      |        |     |    | |           |   |04   |13   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option(4)             |9.26    |     |    | |           |   |3/13/|3/13/|Common (1)  |15,223 |       |15,223      |D  |            |
                      |        |     |    | |           |   |05   |13   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option(4)             |9.26    |     |    | |           |   |3/13/|3/13/|Common (1)  |5,867  |       |5,867       |D  |            |
                      |        |     |    | |           |   |06   |13   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option-ISO(4)         |9.26    |     |    | |           |   |3/13/|3/13/|Common (1)  |1,443  |       |1,443       |D  |            |
                      |        |     |    | |           |   |04   |13   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option-ISO(4)         |9.26    |     |    | |           |   |3/13/|3/13/|Common (1)  |1,444  |       |1,444       |D  |            |
                      |        |     |    | |           |   |05   |13   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Option-ISO(4)         |9.26    |     |    | |           |   |3/13/|3/13/|Common (1)  |10,799 |       |10,799      |D  |            |
                      |        |     |    | |           |   |06   |13   |            |       |       |            |   |            |
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                      |        |     |    | |           |   |     |     |            |       |       |            |   |            |
___________________________________________________________________________________________________________________________________|

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'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 March 31, 2003 under 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).  The number of shares being reported represent
annual funding for the 2002 Plan
year made on April 2,
2003.
(4)  Right to buy pursuant to the Company's 1996 Stock Incentive
Plan.
(5)  Phantom Stock Units held for my benefit as of March 31, 2003 under the
Humana Excess Plan exempt under
Rule
16b-3(d).