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  <xsd:element id="hum_StrategicPartnershipAgreementValueOfPartnershipEntity" name="StrategicPartnershipAgreementValueOfPartnershipEntity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hum_TermLoanAgreementFebruary2020Member" name="TermLoanAgreementFebruary2020Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_TreasuryStockDecreaseInCapitalInExcessOfParValue" name="TreasuryStockDecreaseInCapitalInExcessOfParValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_TricareEastRegionContractMember" name="TricareEastRegionContractMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_UnsecuredRevolvingCreditAgreementExpiresMay2022Member" name="UnsecuredRevolvingCreditAgreementExpiresMay2022Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_WelshCarsonAndersonAndStoweMember" name="WelshCarsonAndersonAndStoweMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>
