0000049071-26-000038 | 11-K | XBRL Viewer

RISKS AND UNCERTAINTIES	12 Months Ended
Dec. 31, 2025
EBP 004
EBP, Risk and Uncertainty [Line Items]
RISKS AND UNCERTAINTIES	RISKS AND UNCERTAINTIES The Plan invests in various investment securities, as discussed in Note 3. Investment securities are exposed to various risks including, but not limited to, interest rate, market, and credit risks. Due to the level of risk associated with certain investment securities, it is reasonably possible that changes in the values of investment securities will occur in the near term and that such changes could materially affect Participants’ account balances and the amounts reported in the Statements of Net Assets Available for Benefits. The Plan’s exposure to concentrations of credit risk is limited by diversification of investments across all Participant directed fund elections. In addition, the investments within each Participant directed fund election are further diversified into various financial instruments, with the exception of the Humana Unitized Stock Fund which principally invests in Humana common stock.

RELATED PARTY AND PARTY-IN-INTEREST TRANSACTIONS	12 Months Ended
RELATED PARTY AND PARTY-IN-INTEREST TRANSACTIONS	Dec. 31, 2025
EBP 004
EBP, Related Party and Party-in-Interest Transactions [Line Items]
RELATED PARTY AND PARTY-IN-INTEREST TRANSACTIONS	RELATED PARTY AND PARTY-IN-INTEREST TRANSACTIONS Certain Plan investments, including the PCRA, are cash and cash equivalents and shares of mutual funds and common/collective trust funds managed by an affiliate of the custodian. Therefore, transactions in these investments qualify as party-in-interest transactions, which are exempt from prohibited transaction rules. The Plan also invests in the common stock of the Plan Sponsor as well as loans to Plan Participants, both of which qualify as related parties to the Plan and also are exempt from prohibited transaction rules. For the year ended December 31, 2025, 5,661 units of the Humana Unitized Stock Fund were purchased for $580,863 and 8,223 units of the Humana Unitized Stock Fund were sold for $858,290. For the year ended December 31, 2024, 5,424 units of the Humana Unitized Stock Fund were purchased for $626,552 and 11,720 units of the Humana Unitized Stock Fund were sold for $1,451,596. At December 31, 2025 and 2024, the fair value of the Humana Unitized Stock Fund was $4,017,929 and $4,180,028, respectively, which represented 4.4% and 5.2%, respectively, of the fair value of all investments held by the Plan. The Company has authorized Newport Trust Company with sole responsibility for deciding whether to restrict investment in the Humana Unitized Stock Fund, or to sell or otherwise dispose of all or any portion of the stock held in the Humana Unitized Stock Fund in certain limited circumstances. In the event Newport Trust Company determined to sell or dispose of stock in the Humana Unitized Stock Fund, Newport Trust Company would designate an alternative investment fund under the Plan for the temporary investment of any proceeds from the sale or other disposition of the Company’s common stock.

INVESTMENTS (Details) - EBP 004 - USD ($)	Dec. 31, 2025	Dec. 31, 2024
EBP, Investment, Fair Value and NAV [Line Items]
Total Investments, at fair value	$ 90,867,993	$ 80,531,027
Fair Value, Inputs, Level 1, Level 2, and Level 3
EBP, Investment, Fair Value and NAV [Line Items]
Total Investments, at fair value	9,181,155	9,139,871
Fair Value, Inputs, Level 1, Level 2, and Level 3 \| Mutual Funds
EBP, Investment, Fair Value and NAV [Line Items]
Total Investments, at fair value	5,213,212	5,090,023
Fair Value, Inputs, Level 1, Level 2, and Level 3 \| Humana Unitized Stock Fund/Humana Common Stock
EBP, Investment, Fair Value and NAV [Line Items]
Total Investments, at fair value	3,920,597	4,014,649
Fair Value, Inputs, Level 1, Level 2, and Level 3 \| Personal Choice Retirement Account
EBP, Investment, Fair Value and NAV [Line Items]
Total Investments, at fair value	47,346	35,199
Quoted Prices in Active Markets for Identical Assets (Level 1)
EBP, Investment, Fair Value and NAV [Line Items]
Total Investments, at fair value	9,133,809	9,104,672
Quoted Prices in Active Markets for Identical Assets (Level 1) \| Mutual Funds
EBP, Investment, Fair Value and NAV [Line Items]
Total Investments, at fair value	5,213,212	5,090,023
Quoted Prices in Active Markets for Identical Assets (Level 1) \| Humana Unitized Stock Fund/Humana Common Stock
EBP, Investment, Fair Value and NAV [Line Items]
Total Investments, at fair value	3,920,597	4,014,649
Quoted Prices in Active Markets for Identical Assets (Level 1) \| Personal Choice Retirement Account
EBP, Investment, Fair Value and NAV [Line Items]
Total Investments, at fair value	0	0
Significant Other Observable Inputs (Level 2)
EBP, Investment, Fair Value and NAV [Line Items]
Total Investments, at fair value	47,346	35,199
Significant Other Observable Inputs (Level 2) \| Mutual Funds
EBP, Investment, Fair Value and NAV [Line Items]
Total Investments, at fair value	0	0
Significant Other Observable Inputs (Level 2) \| Humana Unitized Stock Fund/Humana Common Stock
EBP, Investment, Fair Value and NAV [Line Items]
Total Investments, at fair value	0	0
Significant Other Observable Inputs (Level 2) \| Personal Choice Retirement Account
EBP, Investment, Fair Value and NAV [Line Items]
Total Investments, at fair value	47,346	35,199
NAV \| Common/Collective Trust Funds
EBP, Investment, Fair Value and NAV [Line Items]
Total Investments, at fair value	81,589,506	71,225,777
NAV \| Humana Unitized Stock Fund / Money Market Fund
EBP, Investment, Fair Value and NAV [Line Items]
Total Investments, at fair value	$ 97,332	$ 165,379

Schedule H, Line 4i – Schedule of Assets (Held At End of Year)

12 Months Ended

Dec. 31, 2025

EBP 004

EBP, Schedule of Asset Held for Investment [Line Items]

Schedule H, Line 4i – Schedule of Assets (Held At End of Year)

Humana Puerto Rico Retirement Savings Plan

Plan #004 EIN #61-0647538

Schedule H, Line 4i – Schedule of Assets (Held at End of Year), as of December 31, 2025


(a)	(b) Identity of Issuer, Borrower, Lessor or Similar Party	(c) Description of investment	(d) Cost**	(e) Current Value
	Registered Investment Companies (Mutual Funds):

*	Schwab Retirement Government Money Fund	Mutual fund	—	$	4,340,294
	Delaware Small Cap Value Fund I	Mutual fund	—	872,918
	Total Mutual Funds			5,213,212

	Common/Collective Trusts:
	PIMCO Total Return CTF Class N	Common/Collective Trust	—	4,837,187
	State Street US Bond IDX NL M	Common/Collective Trust	—	1,824,461
	MFS International Equity Class 5B	Common/Collective Trust	—	3,891,187
*	Schwab Institutional Large Cap Value Trust Fund Class I	Common/Collective Trust	—	5,933,239
	JPMCB Large Cap Growth Fund CF-E	Common/Collective Trust	—	7,086,977
*	Schwab Index Retirement Trust Fund 2010 Unit Class IV	Common/Collective Trust	—	178,964
*	Schwab Index Retirement Trust Fund 2015 Unit Class IV	Common/Collective Trust	—	12,263
*	Schwab Index Retirement Trust Fund 2020 Unit Class IV	Common/Collective Trust	—	1,942,452
*	Schwab Index Retirement Trust Fund 2025 Unit Class IV	Common/Collective Trust	—	229,716
*	Schwab Index Retirement Trust Fund 2030 Unit Class IV	Common/Collective Trust	—	5,149,990
*	Schwab Index Retirement Trust Fund 2035 Unit Class IV	Common/Collective Trust	—	421,859
*	Schwab Index Retirement Trust Fund 2040 Unit Class IV	Common/Collective Trust	—	9,742,091
*	Schwab Index Retirement Trust Fund 2045 Unit Class IV	Common/Collective Trust	—	1,103,291
*	Schwab Index Retirement Trust Fund 2050 Unit Class IV	Common/Collective Trust	—	9,971,949
*	Schwab Index Retirement Trust Fund 2055 Unit Class IV	Common/Collective Trust	—	3,054,087
*	Schwab Index Retirement Trust Fund 2060 Unit Class IV	Common/Collective Trust	—	2,725,539
*	Schwab Index Retirement Trust Fund 2065 Unit Class IV	Common/Collective Trust	—	196,999
	SS GBL All Cap EQ US IDX NL K	Common/Collective Trust	—	5,058,509
	State Street Russell All Cap C	Common/Collective Trust	—	8,632,847
	State Street Russell Small Cap K	Common/Collective Trust	—	3,261,501
	State Street S&P 500 INDX NL K	Common/Collective Trust	—	3,911,541
	Loomis Sayles Small Cap Growth D	Common/Collective Trust	—	2,422,857
	Total Common/Collective Trusts			81,589,506

	Other Investments:
*	Humana Unitized Stock Fund:
	Humana Common Stock	Common Stock	—	3,920,597
	State Street Government Short Term Investment Fund	Money Market Fund	—	97,332
	Total Humana Unitized Stock Fund			4,017,929
*	Personal Choice Retirement Account - Self-directed Brokerage Account	Brokerage accounts	—	47,346
*	Banco Popular Puerto Rico Time Deposit	Interest-bearing cash		78,893
*	Notes Receivable from Participants, Interest Rate: 4.25% - 9.50%, with Maturity Dates: 2026-2034	Participant loans	—	3,182,649
	Total			$	94,129,535
*	Party-in-interest to the Plan
**	Historical cost is not required as all investments are participant-directed

Schedule H, Line 4i – Schedule of Assets (Held At End of Year) (Details) - EBP 004 - USD ($)	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
EBP, Schedule of Asset Held for Investment [Line Items]
Plan number	004
Entity tax identification number	61-0647538
Notes receivable from participants, current value	$ 3,182,649
Total	$ 94,129,535
Minimum
EBP, Schedule of Asset Held for Investment [Line Items]
Participant loan, interest rate	4.25%	4.25%
Maximum
EBP, Schedule of Asset Held for Investment [Line Items]
Participant loan, interest rate	9.50%	9.50%
Mutual Funds
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	$ 5,213,212
Common/Collective Trust Funds
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	81,589,506
Humana Unitized Stock Fund
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	4,017,929
Investment, Identifier [Axis]: Brokerage Accounts, Personal Choice Retirement Account - Self-directed Brokerage Account
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	47,346
Investment, Identifier [Axis]: Common Stocks, Humana Common Stock
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	3,920,597
Investment, Identifier [Axis]: Delaware Small Cap Value Fund I
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	872,918
Investment, Identifier [Axis]: Interest-Bearing Cash, Banco Popular Puerto Rico Time Deposit
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	78,893
Investment, Identifier [Axis]: JPMCB Large Cap Growth Fund CF-E
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	7,086,977
Investment, Identifier [Axis]: Loomis Sayles Small Cap Growth D
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	2,422,857
Investment, Identifier [Axis]: MFS International Equity Class 5B
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	3,891,187
Investment, Identifier [Axis]: Money Market Funds, State Street Government Short Term Investment Fund
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	97,332
Investment, Identifier [Axis]: PIMCO Total Return CTF Class N
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	4,837,187
Investment, Identifier [Axis]: SS GBL All Cap EQ US IDX NL K
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	5,058,509
Investment, Identifier [Axis]: Schwab Index Retirement Trust Fund 2010 Unit Class IV
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	178,964
Investment, Identifier [Axis]: Schwab Index Retirement Trust Fund 2015 Unit Class IV
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	12,263
Investment, Identifier [Axis]: Schwab Index Retirement Trust Fund 2020 Unit Class IV
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	1,942,452
Investment, Identifier [Axis]: Schwab Index Retirement Trust Fund 2025 Unit Class IV
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	229,716
Investment, Identifier [Axis]: Schwab Index Retirement Trust Fund 2030 Unit Class IV
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	5,149,990
Investment, Identifier [Axis]: Schwab Index Retirement Trust Fund 2035 Unit Class IV
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	421,859
Investment, Identifier [Axis]: Schwab Index Retirement Trust Fund 2040 Unit Class IV
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	9,742,091
Investment, Identifier [Axis]: Schwab Index Retirement Trust Fund 2045 Unit Class IV
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	1,103,291
Investment, Identifier [Axis]: Schwab Index Retirement Trust Fund 2050 Unit Class IV
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	9,971,949
Investment, Identifier [Axis]: Schwab Index Retirement Trust Fund 2055 Unit Class IV
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	3,054,087
Investment, Identifier [Axis]: Schwab Index Retirement Trust Fund 2060 Unit Class IV
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	2,725,539
Investment, Identifier [Axis]: Schwab Index Retirement Trust Fund 2065 Unit Class IV
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	196,999
Investment, Identifier [Axis]: Schwab Institutional Large Cap Value Trust Fund Class I
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	5,933,239
Investment, Identifier [Axis]: Schwab Retirement Government Money Fund
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	4,340,294
Investment, Identifier [Axis]: State Street Russell All Cap C
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	8,632,847
Investment, Identifier [Axis]: State Street Russell Small Cap K
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	3,261,501
Investment, Identifier [Axis]: State Street S&P 500 INDX NL K
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	3,911,541
Investment, Identifier [Axis]: State Street US Bond IDX NL M
EBP, Schedule of Asset Held for Investment [Line Items]
Investment, current value	$ 1,824,461

INVESTMENTS (Tables)

12 Months Ended

Dec. 31, 2025

EBP 004

EBP, Investment, Fair Value and NAV [Line Items]

EBP, Investment, Fair Value and NAV

The below tables summarize the fair value of the Plan’s investments at December 31, 2025 and 2024, respectively, for investments measured at fair value on a recurring basis. Interest-bearing cash and cash equivalents at December 31, 2025 and 2024 was $78,893 and $55,087, respectively, and was measured using quoted prices in active markets for identical assets (Level 1). During the years ended December 31, 2025 and 2024, no assets were measured using significant unobservable inputs (Level 3).


			Fair Value Measurements Using
	Fair Value		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)
December 31, 2025




Mutual Funds	$	5,213,212	$	5,213,212	$	—
Humana Unitized Stock Fund/Humana Common Stock	3,920,597		3,920,597		—
Personal Choice Retirement Account	47,346		—		47,346
Total Investments in the fair value hierarchy	$	9,181,155	$	9,133,809	$	47,346
Common/Collective Trust Funds (1)	81,589,506		—		—
Humana Unitized Stock Fund/Money Market Fund (1)	97,332		—		—
Total Investments, at fair value	$	90,867,993	$	9,133,809	$	47,346


			Fair Value Measurements Using
	Fair Value		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)
December 31, 2024




Mutual Funds	$	5,090,023	$	5,090,023	$	—
Humana Unitized Stock Fund/Humana Common Stock	4,014,649		4,014,649		—
Personal Choice Retirement Account	35,199		—		35,199
Total Investments in the fair value hierarchy	$	9,139,871	$	9,104,672	$	35,199
Common/Collective Trust Funds (1)	71,225,777		—		—
Humana Unitized Stock Fund/Money Market Fund (1)	165,379		—		—
Total Investments, at fair value	$	80,531,027	$	9,104,672	$	35,199

(1) Certain investments that are measured at fair value using the net asset value per share (or its equivalent practical expedient) have not been classified in the fair value hierarchy. The fair value amounts presented in this table are intended to permit reconciliation of the fair value hierarchy to the amounts presented in the Statements of Net Assets Available for Benefits.

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

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+ Details

- Definition

Tabular disclosure of fair value of investment held by employee stock purchase, saving, or similar plan (employee benefit plan (EBP)), including, but not limited to, fair value measured at net asset value per share as practical expedient (NAV).

+ References

+ Details

Statements of Net Assets Available for Benefits - EBP 004 - USD ($)	Dec. 31, 2025	Dec. 31, 2024
Assets
Cash and cash equivalents	$ 78,893	$ 55,087
Investments, at fair value	90,867,993	80,531,027
Employer contributions receivable	190,074	191,608
Participant contributions receivable	67	875
Notes receivable from participants	3,182,649	3,085,061
Total receivables	3,372,790	3,277,544
Total assets	94,319,676	83,863,658
Liabilities
Accrued expenses	20,346	553
Total liabilities	20,346	553
Net assets available for benefits	$ 94,299,330	$ 83,863,105

DESCRIPTION OF THE PLAN	12 Months Ended
DESCRIPTION OF THE PLAN	Dec. 31, 2025
EBP 004
EBP, Description of Plan [Line Items]
DESCRIPTION OF THE PLAN	DESCRIPTION OF THE PLAN The following description of the Humana Puerto Rico Retirement Savings Plan (the “Plan”) is provided for general information purposes only. Participants should refer to the Humana Puerto Rico Retirement Savings Plan document or the Plan’s Summary Plan Description, not included herein, for a more complete description of the Plan and its provisions. General The Plan is a qualified defined contribution plan established for the benefit of the employees of Humana Inc. and its participating subsidiaries (the “Company” or “Humana”) who work in Puerto Rico (“eligible employees”) and is subject to the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). The Company is the sponsor (“Plan Sponsor”) and a committee appointed by the Company is the administrator (“Plan Administrator”) of the Plan. The Company appointed Schwab Retirement Plan Services as the recordkeeper. Banco Popular de Puerto Rico is the trustee and Charles Schwab Trust Bank is the custodian. The Company has appointed NEPC, LLC to provide investment consulting services to the Plan Administrator. Newport Trust Company is the named fiduciary and investment manager of the investment fund under the Plan that holds shares of common stock of the Company (the “Humana Unitized Stock Fund”). The Plan offers access to a discretionary managed account service provided by Morningstar Investment Management LLC, a registered investment adviser and subsidiary of Morningstar, Inc. Morningstar Investment Management LLC is a fiduciary that is designated by the Plan and is made available to participants and beneficiaries to manage all or a portion of their Plan account. Participant Accounts Employees of the Company are generally eligible to participate upon employment. Individual accounts are maintained by the Plan for each eligible employee (“Participant”). Each Participant's account is credited with the Participant's contributions, the Company's contributions, and an allocation of Plan earnings or losses, reduced by Participant withdrawals and an allocation of administrative expenses. Allocations are based on Participants' account balances as discussed further below. The benefit to which a participant is entitled is the benefit that can be provided from the participant's vested account. Contributions Contributions to the Plan by or on behalf of employees may be restricted in amount and timing so as to meet certain requirements of the Puerto Rico Internal Revenue Code, as amended (“PRIRC”). For the plan years ended December 31, 2025 and 2024, the Plan maintained various accounts including the Pre-tax Savings Account, the Company Matching Account, the After Tax Account, and the Rollover Account, each as described below. A Participant’s Pre-tax contributions, discussed below, when combined with their After-tax contributions, may not exceed 37% of their compensation. Effective January 1, 2026, a Participant’s Pre-tax contributions when combined with their After-tax contributions, may not exceed 77% of their compensation. Pre-tax Savings Account Employees of the Company may participate in the Pre-tax Savings Account beginning on the employee’s date of eligibility. A Participant, through payroll deductions, may contribute not less than 1% nor more than 35% of the Participant's eligible compensation, not to exceed the PRIRC limitation in effect for the calendar year, which was $15,000 for each of 2025 and 2024. The Company automatically enrolls eligible employees at a contribution rate of 3% of compensation as of the first day of the payroll period that begins 45 days following their date of hire, unless the employee elects not to participate in the Pre-tax Savings Account or elects a different percentage up to 35%. Automatically enrolled Participants who have not made any contribution election will have their contributions automatically increased by 1% annually, effective with the beginning of the second plan year following the year of automatic enrollment, to a maximum of 15% . Participants may change their contribution percentage at any time. Participants who are age 50 or older and contribute the maximum Puerto Rico limit or maximum Plan limit may elect to contribute an additional amount as a “catch-up” contribution, up to $1,500 in each of 2025 and 2024, through payroll deductions in an amount not less than 1% nor more than 35% of the Participant's annual compensation. Effective January 1, 2026, the maximum pre-tax contribution election increased from 35% to 70% of a Participant's eligible compensation. The separate catch-up contribution election was eliminated, and catch-up contributions are administered automatically through payroll in accordance with Plan provisions and applicable limits. Company Matching Account The Company matched 125% of a Participant’s eligible pre-tax and catch-up contributions that combined do not exceed 6% of their eligible compensation after completion of one year of service. Rollover contributions are not matched. The Company may increase, decrease, or cease matching contributions, with approval from the Board of Directors. Matching contributions are funded each pay period and follow the Participants' investment elections. Effective January 1, 2026, the Company reduced the matching contribution from 125% to 100% of a Participant's eligible pre-tax and catch-up contributions combined up to 6% of their eligible compensation after completion of one year of service. After Tax Account Eligible employees of the Company may participate in the Plan’s After Tax Account beginning on the employee’s date of hire. A Participant, through payroll deductions, may contribute not less than 1% nor more than 2% of the Participant's eligible compensation, on an after tax basis. Contributions to the After Tax Account are not eligible for Company matching contributions. Effective January 1, 2026, the maximum after-tax contribution rate increased from 2% to 7% of the Participant's eligible compensation. Rollover Account The Plan allows Participants to rollover assets from other qualified retirement plans into this Plan subject to approval by the Plan Administrator. Investment Options Participants are responsible for investment decisions in all accounts, including Participant funded and Company funded accounts. Investments can be made among various investment options in 1% increments. In the absence of Participant directed allocations, contributions are invested in a Schwab Indexed Retirement Trust Fund based on a Participant's date of birth and estimated retirement date. In connection with a change in allocation of a Participant's or the Company's future contributions among the investment options or a change in the allocation of existing investments, the purchases and sales due to fund transfers are transacted at the funds’ end of day net asset value on the day the transaction is initiated. Participant investment options consist of certain investment funds including mutual funds and money market funds with registered investment companies and common/collective trust/separate accounts, as well as the Schwab Personal Choice Retirement Account (“PCRA”). The PCRA is a self-directed brokerage account allowing Participants to make investments that are not included as one of the Plan’s options. In-kind distributions are allowed from the PCRA. The Humana Unitized Stock Fund invests primarily in the Company's stock with a small portion held in a money market fund to provide liquidity and to accommodate daily transactions. Each of the investment funds is divided into units of participation, which are calculated daily by the recordkeeper. The daily value of each unit is determined by dividing the total fair market value of all assets in each fund by the total number of units in that fund. Investment income, including certain administrative fees and net appreciation (depreciation) of the fair value of investments, is allocated to each Participant’s account based on the change in unit value for each fund in which the Participant has an account balance. Vesting Participant contributions are fully vested and non-forfeitable. Generally, once a Participant has completed two years of service, the Company Matching Account contributions vest immediately and become non-forfeitable. In August 2025, the Retirement Plan Committee approved vesting provisions for certain participants whose employment terminated between August 1, 2025 and May 31, 2026. These participants became fully vested in 100% of the value of the matching contributions allocated to their matching contribution accounts, including their proportional share of net gains and losses on those contributions, regardless of years of vesting service. This full vesting is effective as of each participant’s separation from employment. Forfeitures The benefit to which a Participant is entitled is the benefit that can be provided from the Participant's vested account. Unvested Company Matching Account contributions are forfeited after a five year break in service, or as a result of withdrawal of the vested account following termination of employment. Forfeited Company Matching Account contributions are available to reduce the amount of subsequent employer contributions. If a former Participant is re-employed prior to five consecutive one-year breaks in service and repays the amount of his/her distribution, then any forfeited employer contributions are restored to his/her account. For the years ended December 31, 2025 and 2024, forfeited nonvested accounts used to reduce employer contributions totaled $109,735 and $157,591, respectively. At December 31, 2025 and 2024, there were $19,884 and $213 forfeited nonvested accounts available for reducing future employer contributions, respectively. Benefit Payments and Withdrawals Withdrawals at Termination Upon termination of employment, including retirement, death, or disability, the Plan may disburse funds. Terminated Participants may elect to either leave his/her money in the Plan, if their vested account balance is $1,000 or greater, or take a total distribution of their vested account balance. If a terminated Participant elects to leave their money in the Plan, the Participant may request a subsequent withdrawal at any time for a total or partial distribution of their vested account balance. Participant’s distribution options include lump sum and installment payments. In addition, the Plan permits Participants to roll over contributions to another Puerto Rico qualified plan. A Participant must make a written request to the Plan for a direct rollover distribution. Rollovers must comply with certain requirements before the Plan will authorize the rollover distribution. Participants requesting a lump sum distribution may do so in the form of cash or Humana common stock to the degree that their account is invested in the Humana Unitized Stock Fund, as defined by the Plan. For terminated Participants with a vested account balance less than $1,000, a lump-sum cash distribution will be made if a rollover has not been elected. Participants can request a lump sum distribution in the form of any other property held under the Plan, including under a Self-Directed Brokerage Account if elected by the Participant. In Service Withdrawals 59 ½ Withdrawals Participants who are 59 ½ or older may make withdrawals from eligible accounts, as defined by the Plan. Rollover Withdrawals Generally, a Participant may make a withdrawal from rollover contributions at any time, as defined by the Plan. Hardship Withdrawals In the event funds are needed because of extreme financial hardship, as defined by law, the Participant may be allowed to make a withdrawal of their vested account balance from eligible accounts, as defined by the Plan. After Tax Account Withdrawals Generally, a Participant may make a withdrawal from the After Tax account at any time, as defined by the Plan. Notes Receivable from Participants Participants may borrow from eligible accounts, as defined in the Plan. Generally, the aggregate amount of the loans to a Participant shall not exceed the lesser of $50,000 or 50% of the vested portion of eligible accounts. The minimum amount a Participant may borrow is $1,000. Loan transactions are treated as a transfer to (from) the various investment funds from (to) the Participant Notes Receivable. Loan terms range from one to four years or up to ten years for the purchase of a primary residence. The loans are collateralized by the balance in the Participant's account and bear interest at a rate in accordance with the Department of Labor's Rules and Regulations for Reporting and Disclosure under ERISA, as determined by the Plan Administrator. Principal and interest are repaid ratably through payroll deductions or directly to the recordkeeper. Loans are deducted proportionately from all accounts and all fund investments. Interest income is recorded on the accrual basis. Related fees are recorded as administrative expenses and are expensed when they are incurred. No allowance for credit losses has been recorded as of December 31, 2025 or 2024. If a participant ceases to make loan repayments and the plan administrator deems the participant loan to be in default, the participant loan balance is reduced and a benefit payment is recorded. At December 31, 2025, participant loan interest rates in effect ranged from 4.25% to 9.50% with various maturity dates through 2034. At December 31, 2024, participant loan interest rates in effect ranged from 4.25% to 9.50% with various maturity dates through 2035. Plan Termination Although it has not expressed any intent to do so, the Company has the right under the Plan to discontinue its contributions at any time and to terminate the Plan subject to the provisions of ERISA. In the event the Plan is terminated, Participants would become 100% vested in their accounts.

RELATED PARTY AND PARTY-IN-INTEREST TRANSACTIONS (Details) - EBP 004 - USD ($)	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
EBP, Related Party and Party-in-Interest Transactions [Line Items]
Investment, purchased, number of shares (in shares)	5,661	5,424
Cost of investment purchased	$ 580,863	$ 626,552
Investment sold, number of shares (in shares)	8,223	11,720
Cost of investment sold	$ 858,290	$ 1,451,596
Investments, at fair value	$ 90,867,993	$ 80,531,027
Concentration of investment at fair value to total investments, percentage	4.40%	5.20%
EBP, Employer, Common Stock And Common Stock Fund
EBP, Related Party and Party-in-Interest Transactions [Line Items]
Investments, at fair value	$ 4,017,929	$ 4,180,028

- Definition

Fair value of investment, excluding plan interest in master trust, held by employee stock purchase, saving, or similar plan (employee benefit plan (EBP)). Includes, but is not limited to, derivative, investment measured at net asset value per share as practical expedient, and insurance contract not meeting fully-benefit responsive investment criteria.

+ References

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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

DESCRIPTION OF THE PLAN (Details) - EBP 004		12 Months Ended
DESCRIPTION OF THE PLAN (Details) - EBP 004	Jan. 01, 2026	Dec. 31, 2025 USD ($) break	Dec. 31, 2024 USD ($)
EBP, Description of Plan [Line Items]
Maximum annual compensation to total compensation, percentage		37.00%
Pretax, minimum annual compensation to total compensation, percentage		1.00%
Pretax, maximum annual compensation to total compensation, percentage		35.00%
Payroll period from date pf hire		45 days
Automatic deferral rate, annual increase		1.00%
Matching percentage		125.00%
Participant compensation matched, percentage		6.00%
Participant compensation matched, minimum service period		1 year
Investment contribution, minimum increment, percent		1.00%
Vesting period		2 years
Vesting percentage		100.00%
Nonvested account, break in service forfeiture period		5 years
Number of consecutive one-year breaks before re-employment for restoration of employer contributions, maximum \| break		5
Consecutive break period for restoration of employer contributions		1 year
Forfeited nonvested account, decrease from employer contribution		$ 109,735	$ 157,591
Forfeited nonvested account		19,884	213
Vested account balance for terminated employee, minimum amount for leaving in plan		1,000
Vested account balance for terminated employee, maximum amount for lump sum distribution		1,000
Maximum borrowing, amount		$ 50,000
Maximum borrowing, to total account, percentage		50.00%
Minimum borrowing, amount		$ 1,000
Primary residence, borrowing term		10 years
Note receivable from participant, allowance for credit loss		$ 0	$ 0
Subsequent Event
EBP, Description of Plan [Line Items]
Maximum annual compensation to total compensation, percentage	77.00%
Pretax, maximum annual compensation to total compensation, percentage	70.00%
Matching percentage	100.00%
Participant compensation matched, percentage	6.00%
Participant compensation matched, minimum service period	1 year
EBP, After Tax Account Contribution
EBP, Description of Plan [Line Items]
After tax, minimum annual compensation to total compensation, percentage		1.00%
After tax, maximum annual compensation to total compensation, percentage		2.00%
EBP, After Tax Account Contribution \| Subsequent Event
EBP, Description of Plan [Line Items]
After tax, maximum annual compensation to total compensation, percentage	7.00%
Minimum
EBP, Description of Plan [Line Items]
Automatic deferral rate		3.00%
General loan, borrowing term		1 year
Participant loan, interest rate		4.25%	4.25%
Maximum
EBP, Description of Plan [Line Items]
Automatic deferral rate		15.00%
General loan, borrowing term		4 years
Participant loan, interest rate		9.50%	9.50%

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies) - EBP 004	12 Months Ended
	Dec. 31, 2025
EBP, Accounting Policy [Line Items]
Basis of Presentation	Basis of Presentation The accompanying financial statements of the Plan have been prepared under the accrual basis of accounting in accordance with accounting principles generally accepted in the United States of America.
Use of Estimates	Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates.
Investment Valuation and Income Recognition	Investment Valuation and Income Recognition Assets and liabilities measured at fair value are categorized into a fair value hierarchy based on whether the inputs to valuation techniques are observable or unobservable. Observable inputs reflect market data obtained from independent sources, while unobservable inputs reflect the Company’s own assumptions about the assumptions market participants would use. The fair value hierarchy includes three levels of inputs that may be used to measure fair value as described below. Level 1 – Quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities include mutual funds that are traded in an active exchange market. Level 2 – Observable inputs other than Level 1 prices such as quoted prices in active markets for similar assets or liabilities; quoted prices for identical or similar assets or liabilities in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 3 – Unobservable inputs that are supported by little or no market activity and are significant to the fair value of the assets or liabilities. Level 3 includes assets and liabilities whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques reflecting the Company’s own assumptions about the assumptions market participants would use as well as those requiring significant management judgment. The Plan's investments are recorded at fair value. The carrying value of the cash and cash equivalents approximates fair value as maturities are less than three months. Investments in mutual funds and money market funds of registered investment companies are valued based on the quoted net asset value of shares held by the Plan at year end. Investments in common stock are valued based on closing price of shares held by the Plan. Investments in common/collective trusts are valued based on the net asset value of units held by the Plan at year end, as a practical expedient. There are no restrictions on Participant redemptions and there are no unfunded commitments for investments in common/collective trusts. If the Plan was to initiate a full redemption of certain common/collective trusts, the trustees of the common/collective trusts could impose restrictions to the extent it is determined a full redemption could disrupt the liquidity or management of the fund. Purchases and sales of securities are recorded on a trade date basis. Interest income is recorded on the accrual basis. Dividends are recorded on the ex-dividend date. Net realized gains or losses on the sale of investments together with unrealized appreciation or depreciation on investments are presented as net appreciation (depreciation) in fair value of investments in the accompanying Statements of Changes in Net Assets Available for Benefits.
Notes Receivable from Participants	Notes Receivable from Participants Participant loans are measured at their unpaid principal balance plus any accrued but unpaid interest and classified as notes receivable from participants in the Statements of Net Assets Available for Benefits.
Payment of Benefits	Payment of Benefits Benefit payments to Participants are recorded when paid.
Administrative Expenses	Administrative Expenses Certain expenses of maintaining the Plan are paid by the Plan and allocated to the Participant's accounts, unless otherwise paid by the Company. Expenses that are paid by the Company are excluded from these financial statements. Fees related to the administration of notes receivable from participants are charged directly to the participant’s account and are included in administrative expenses. Investment related expenses are included in net appreciation of fair value of investments.

- Definition

Disclosure of accounting policy for use of estimate in preparation of financial statement of employee stock purchase, saving, or similar plan (employee benefit plan (EBP)).

+ References + Details

INVESTMENTS

12 Months Ended

Dec. 31, 2025

EBP 004

EBP, Investment, Fair Value and NAV [Line Items]

INVESTMENTS


			Fair Value Measurements Using
	Fair Value		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)
December 31, 2025




Mutual Funds	$	5,213,212	$	5,213,212	$	—
Humana Unitized Stock Fund/Humana Common Stock	3,920,597		3,920,597		—
Personal Choice Retirement Account	47,346		—		47,346
Total Investments in the fair value hierarchy	$	9,181,155	$	9,133,809	$	47,346
Common/Collective Trust Funds (1)	81,589,506		—		—
Humana Unitized Stock Fund/Money Market Fund (1)	97,332		—		—
Total Investments, at fair value	$	90,867,993	$	9,133,809	$	47,346


			Fair Value Measurements Using
	Fair Value		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)
December 31, 2024




Mutual Funds	$	5,090,023	$	5,090,023	$	—
Humana Unitized Stock Fund/Humana Common Stock	4,014,649		4,014,649		—
Personal Choice Retirement Account	35,199		—		35,199
Total Investments in the fair value hierarchy	$	9,139,871	$	9,104,672	$	35,199
Common/Collective Trust Funds (1)	71,225,777		—		—
Humana Unitized Stock Fund/Money Market Fund (1)	165,379		—		—
Total Investments, at fair value	$	80,531,027	$	9,104,672	$	35,199

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

- Definition

The entire disclosure for fair value of investment held by employee stock purchase, saving, or similar plan (employee benefit plan (EBP)), including, but not limited to, fair value measured at net asset value per share as practical expedient (NAV).

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (b)
-Publisher FASB
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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Reference 3: http://www.xbrl.org/2003/role/exampleRef
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Statement of Changes in Net Assets Available for Benefits - EBP 004 - USD ($)	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Investment income:
Net appreciation in fair value of investments	$ 12,203,645	$ 5,743,267
Interest and dividend income	467,886	339,271
Total investment income	12,671,531	6,082,538
Contributions:
Participant	3,563,078	3,745,667
Employer (net of forfeitures)	3,291,624	3,380,361
Total contributions	6,854,702	7,126,028
Interest on notes receivable from participants	237,247	202,004
Total additions	19,763,480	13,410,570
Deductions from net assets attributed to:
Benefits paid to participants	9,137,310	8,912,369
Administrative expenses	189,945	185,461
Total deductions	9,327,255	9,097,830
Net increase	10,436,225	4,312,740
Net assets available for benefits:
Beginning of year	83,863,105	79,550,365
End of year	$ 94,299,330	$ 83,863,105

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	Dec. 31, 2025
EBP 004
EBP, Accounting Policy [Line Items]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Basis of Presentation The accompanying financial statements of the Plan have been prepared under the accrual basis of accounting in accordance with accounting principles generally accepted in the United States of America. Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates. Investment Valuation and Income Recognition Assets and liabilities measured at fair value are categorized into a fair value hierarchy based on whether the inputs to valuation techniques are observable or unobservable. Observable inputs reflect market data obtained from independent sources, while unobservable inputs reflect the Company’s own assumptions about the assumptions market participants would use. The fair value hierarchy includes three levels of inputs that may be used to measure fair value as described below. Level 1 – Quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities include mutual funds that are traded in an active exchange market. Level 2 – Observable inputs other than Level 1 prices such as quoted prices in active markets for similar assets or liabilities; quoted prices for identical or similar assets or liabilities in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 3 – Unobservable inputs that are supported by little or no market activity and are significant to the fair value of the assets or liabilities. Level 3 includes assets and liabilities whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques reflecting the Company’s own assumptions about the assumptions market participants would use as well as those requiring significant management judgment. The Plan's investments are recorded at fair value. The carrying value of the cash and cash equivalents approximates fair value as maturities are less than three months. Investments in mutual funds and money market funds of registered investment companies are valued based on the quoted net asset value of shares held by the Plan at year end. Investments in common stock are valued based on closing price of shares held by the Plan. Investments in common/collective trusts are valued based on the net asset value of units held by the Plan at year end, as a practical expedient. There are no restrictions on Participant redemptions and there are no unfunded commitments for investments in common/collective trusts. If the Plan was to initiate a full redemption of certain common/collective trusts, the trustees of the common/collective trusts could impose restrictions to the extent it is determined a full redemption could disrupt the liquidity or management of the fund. Purchases and sales of securities are recorded on a trade date basis. Interest income is recorded on the accrual basis. Dividends are recorded on the ex-dividend date. Net realized gains or losses on the sale of investments together with unrealized appreciation or depreciation on investments are presented as net appreciation (depreciation) in fair value of investments in the accompanying Statements of Changes in Net Assets Available for Benefits. Notes Receivable from Participants Participant loans are measured at their unpaid principal balance plus any accrued but unpaid interest and classified as notes receivable from participants in the Statements of Net Assets Available for Benefits. Payment of Benefits Benefit payments to Participants are recorded when paid. Administrative Expenses Certain expenses of maintaining the Plan are paid by the Plan and allocated to the Participant's accounts, unless otherwise paid by the Company. Expenses that are paid by the Company are excluded from these financial statements. Fees related to the administration of notes receivable from participants are charged directly to the participant’s account and are included in administrative expenses. Investment related expenses are included in net appreciation of fair value of investments.

Cover	12 Months Ended
Cover	Dec. 31, 2025
Document Information [Line Items]
Document Type	11-K
Entity Registrant Name	Humana Inc.
Amendment Flag	false
Entity Central Index Key	0000049071
EBP 004
Document Information [Line Items]
Document Type	11-K
Entity Registrant Name	Humana Inc.
Amendment Flag	false
Entity Central Index Key	0000049071

INCOME TAX STATUS	12 Months Ended
INCOME TAX STATUS	Dec. 31, 2025
EBP 004
EBP, Tax Status [Line Items]
INCOME TAX STATUS	INCOME TAX STATUS The Plan was restated on January 1, 2020 and amended on December 16, 2020 to be compliant with Section 1081.01 of the Puerto Rico Internal Revenue Code of 2011 (“Puerto Rico IRC”). A favorable tax status determination letter dated June 15, 2021 was obtained from the Treasury Department of the Commonwealth of Puerto Rico. The determination letter covers both the restatement and the amendment. The Plan Administrator believes that the Plan is designed and is currently operating in compliance with the applicable requirements of the Puerto Rico IRC. The Plan Administrator is required to evaluate tax positions taken by the Plan and recognize a tax liability (or asset) if the Plan has taken an uncertain position that more likely than not would not be sustained upon examination by the Treasury Department of the Commonwealth of Puerto Rico. The Plan Administrator has analyzed the tax positions taken by the Plan, and has concluded that as of December 31, 2025 and 2024, there are no uncertain positions taken or expected to be taken that would require recognition of a liability (or asset) or disclosure in the financial statements. The Plan is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress. The Plan Administrator believes it is no longer subject to income tax examinations for the years prior to 2021.