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  <xs:element id="hum_NotesPayableToBanksAndCommercialPaperMember" abstract="true" name="NotesPayableToBanksAndCommercialPaperMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hum_MaximumIndividualStateGeneralBondObligationAsPercentageOfTotalDebtSecurities" abstract="false" name="MaximumIndividualStateGeneralBondObligationAsPercentageOfTotalDebtSecurities" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="hum_A065PercentSeniorNotesDueAugust2023Member" abstract="true" name="A065PercentSeniorNotesDueAugust2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hum_A450PercentSeniorNotesDueApril2025Member" abstract="true" name="A450PercentSeniorNotesDueApril2025Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hum_BookOverdraftLiability" abstract="false" name="BookOverdraftLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hum_A215PercentSeniorNotesDueFebruary2032Member" abstract="true" name="A215PercentSeniorNotesDueFebruary2032Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hum_A3125PercentSeniorNotesDueAugust2029Member" abstract="true" name="A3125PercentSeniorNotesDueAugust2029Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hum_PaymentsForProceedsFromContractDeposits" abstract="false" name="PaymentsForProceedsFromContractDeposits" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hum_CommonStockReclassifiedFromCapitalInExcessOfParValueToTreasuryStockUponRepurchaseValue" abstract="false" name="CommonStockReclassifiedFromCapitalInExcessOfParValueToTreasuryStockUponRepurchaseValue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hum_CmsSubsidiesOrDiscountsMember" abstract="true" name="CmsSubsidiesOrDiscountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hum_DebtSecuritiesRealizedGainGross" abstract="false" name="DebtSecuritiesRealizedGainGross" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hum_SpecialtyMember" abstract="true" name="SpecialtyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hum_BusinessCombinationTotalEnterpriseValueOfAcquiree" abstract="false" name="BusinessCombinationTotalEnterpriseValueOfAcquiree" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hum_RetailSegmentMember" abstract="true" name="RetailSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hum_BusinessCombinationStepAcquisitionEquityInterestInAcquireeSubsequentAcquisitionPercentage" abstract="false" name="BusinessCombinationStepAcquisitionEquityInterestInAcquireeSubsequentAcquisitionPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="hum_DelayedDrawTermLoanMay2024Member" abstract="true" name="DelayedDrawTermLoanMay2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hum_NumberOfStatesComprisingTRICAREBeneficiaries" abstract="false" name="NumberOfStatesComprisingTRICAREBeneficiaries" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="hum_October2021TermLoanAgreementMember" abstract="true" name="October2021TermLoanAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
