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
   April 21, 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 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)|                           |
___________________________________________________________________________________________________________________________________|
                                                                            
Common (1)                 |4/21/0| J(7| |31,035            |A  |           |381,035            |D     |                           |
                           |3     |)   | |                  |   |           |                   |      |                           |
-----------------------------------------------------------------------------------------------------------------------------------|
Common (1)                 |4/21/0|J(7)|V|31,035            |D  |           |0                  |I     |Trust(6)                   |
                           |3     |    | |                  |   |           |                   |      |                           |
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Common (1)                 |      |    | |                  |   |           |38,915             |I     |HRSP(3)                    |
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___________________________________________________________________________________________________________________________________|

___________________________________________________________________________________________________________________________________
 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)|            |
___________________________________________________________________________________________________________________________________|
                                                                            
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/|3/13/|Common (1)  |66,667 |       |66,667      |D  |            |
                      |        |     |    | |           |   |04   |13   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |9.26    |     |    | |           |   |3/13/|3/13/|Common (1)  |66,667 |       |66,667      |D  |            |
                      |        |     |    | |           |   |05   |13   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Common(5)             |9.26    |     |    | |           |   |3/13/|3/13/|Common (1)  |55,867 |       |55,867      |D  |            |
                      |        |     |    | |           |   |06   |13   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
Common-ISO(5)         |9.26    |     |    | |           |   |3/13/|3/13/|Common (1)  |10,799 |       |10,799      |D  |            |
                      |        |     |    | |           |   |06   |13   |            |       |       |            |   |            |
-----------------------------------------------------------------------------------------------------------------------------------|
                      |        |     |    | |           |   |     |     |            |       |       |            |   |            |
___________________________________________________________________________________________________________________________________|

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 March 31, 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 March 31, 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.
(7)  Exempt transfer of shares held in a Family Trust of which my wife and I
are trustees to an account of directly
owned
shares.