

<!--XBRL Document Created with Wdesk from Workiva-->
<!-- -->
<xsd:schema attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.humana.com/20161231" xmlns:hum="http://www.humana.com/20161231" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
  <xsd:import namespace="http://fasb.org/us-gaap/2016-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd" />
  <xsd:import namespace="http://fasb.org/us-roles/2016-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2016/elts/us-roles-2016-01-31.xsd" />
  <xsd:import namespace="http://fasb.org/us-types/2016-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2016/elts/us-types-2016-01-31.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" schemaLocation="http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
  <xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/country/2016-01-31" schemaLocation="http://xbrl.sec.gov/country/2016/country-2016-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/currency/2016-01-31" schemaLocation="http://xbrl.sec.gov/currency/2016/currency-2016-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/dei/2014-01-31" schemaLocation="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/exch/2016-01-31" schemaLocation="http://xbrl.sec.gov/exch/2016/exch-2016-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/invest/2013-01-31" schemaLocation="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/naics/2011-01-31" schemaLocation="http://xbrl.sec.gov/naics/2011/naics-2011-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/sic/2011-01-31" schemaLocation="http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/stpr/2011-01-31" schemaLocation="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="hum-20161231_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="hum-20161231_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="hum-20161231_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="hum-20161231_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple" />
      <link:roleType id="AcquisitionsAndDivestitures" roleURI="http://www.humana.com/role/AcquisitionsAndDivestitures">
        <link:definition>2102100 - Disclosure - ACQUISITIONS AND DIVESTITURES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AcquisitionsAndDivestituresDetail" roleURI="http://www.humana.com/role/AcquisitionsAndDivestituresDetail">
        <link:definition>2402401 - Disclosure - ACQUISITIONS AND DIVESTITURES (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AdditionalInformationDetail" roleURI="http://www.humana.com/role/AdditionalInformationDetail">
        <link:definition>2446406 - Disclosure - (Additional Information) (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BenefitsPayable" roleURI="http://www.humana.com/role/BenefitsPayable">
        <link:definition>2119100 - Disclosure - BENEFITS PAYABLE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BenefitsPayableActivityInBenefitsPayableDetail" roleURI="http://www.humana.com/role/BenefitsPayableActivityInBenefitsPayableDetail">
        <link:definition>2419403 - Disclosure - BENEFITS PAYABLE - Activity in Benefits Payable (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BenefitsPayableAdditionalInformationDetail" roleURI="http://www.humana.com/role/BenefitsPayableAdditionalInformationDetail">
        <link:definition>2419402 - Disclosure - BENEFITS PAYABLE - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BenefitsPayableBenefitExpensesExcludedFromActivityInBenefitsPayableDetail" roleURI="http://www.humana.com/role/BenefitsPayableBenefitExpensesExcludedFromActivityInBenefitsPayableDetail">
        <link:definition>2419404 - Disclosure - BENEFITS PAYABLE - Benefit Expenses Excluded From Activity in Benefits Payable (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BenefitsPayableBenefitsExpenseDetails" roleURI="http://www.humana.com/role/BenefitsPayableBenefitsExpenseDetails">
        <link:definition>2419405 - Disclosure - BENEFITS PAYABLE - Benefits Expense (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BenefitsPayableTables" roleURI="http://www.humana.com/role/BenefitsPayableTables">
        <link:definition>2319301 - Disclosure - BENEFITS PAYABLE (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsGuaranteesAndContingencies" roleURI="http://www.humana.com/role/CommitmentsGuaranteesAndContingencies">
        <link:definition>2137100 - Disclosure - COMMITMENTS, GUARANTEES AND CONTINGENCIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsGuaranteesAndContingenciesAdditionalInformationDetail" roleURI="http://www.humana.com/role/CommitmentsGuaranteesAndContingenciesAdditionalInformationDetail">
        <link:definition>2437402 - Disclosure - COMMITMENTS, GUARANTEES AND CONTINGENCIES - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsGuaranteesAndContingenciesFutureAnnualMinimumPaymentsDueDetail" roleURI="http://www.humana.com/role/CommitmentsGuaranteesAndContingenciesFutureAnnualMinimumPaymentsDueDetail">
        <link:definition>2437404 - Disclosure - COMMITMENTS, GUARANTEES AND CONTINGENCIES - Future Annual Minimum Payments Due (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsGuaranteesAndContingenciesRentExpenseAndSubleaseRentalIncomeAssociatedWithOperatingLeasesDetail" roleURI="http://www.humana.com/role/CommitmentsGuaranteesAndContingenciesRentExpenseAndSubleaseRentalIncomeAssociatedWithOperatingLeasesDetail">
        <link:definition>2437403 - Disclosure - COMMITMENTS, GUARANTEES AND CONTINGENCIES - Rent Expense and Sublease Rental Income Associated With Operating Leases (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsGuaranteesAndContingenciesTables" roleURI="http://www.humana.com/role/CommitmentsGuaranteesAndContingenciesTables">
        <link:definition>2337301 - Disclosure - COMMITMENTS, GUARANTEES AND CONTINGENCIES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedBalanceSheets" roleURI="http://www.humana.com/role/ConsolidatedBalanceSheets">
        <link:definition>1001000 - Statement - Consolidated Balance Sheets</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedBalanceSheetsParenthetical" roleURI="http://www.humana.com/role/ConsolidatedBalanceSheetsParenthetical">
        <link:definition>1001501 - Statement - Consolidated Balance Sheets (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsOfCashFlows" roleURI="http://www.humana.com/role/ConsolidatedStatementsOfCashFlows">
        <link:definition>1005000 - Statement - Consolidated Statements Of Cash Flows</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsOfComprehensiveIncome" roleURI="http://www.humana.com/role/ConsolidatedStatementsOfComprehensiveIncome">
        <link:definition>1003000 - Statement - Consolidated Statements Of Comprehensive Income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsOfIncome" roleURI="http://www.humana.com/role/ConsolidatedStatementsOfIncome">
        <link:definition>1002000 - Statement - Consolidated Statements Of Income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsOfStockholdersEquity" roleURI="http://www.humana.com/role/ConsolidatedStatementsOfStockholdersEquity">
        <link:definition>1004000 - Statement - Consolidated Statements Of Stockholders' Equity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Debt" roleURI="http://www.humana.com/role/Debt">
        <link:definition>2127100 - Disclosure - DEBT</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DebtAdditionalInformationDetail" roleURI="http://www.humana.com/role/DebtAdditionalInformationDetail">
        <link:definition>2427403 - Disclosure - DEBT - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DebtCommercialPaperDetails" roleURI="http://www.humana.com/role/DebtCommercialPaperDetails">
        <link:definition>2427404 - Disclosure - DEBT - Commercial Paper (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DebtTables" roleURI="http://www.humana.com/role/DebtTables">
        <link:definition>2327301 - Disclosure - DEBT (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DebtTermDebtOfOutstandingDetail" roleURI="http://www.humana.com/role/DebtTermDebtOfOutstandingDetail">
        <link:definition>2427402 - Disclosure - DEBT - Term Debt of Outstanding (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DocumentAndEntityInformation" roleURI="http://www.humana.com/role/DocumentAndEntityInformation">
        <link:definition>0001000 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsPerCommonShareComputation" roleURI="http://www.humana.com/role/EarningsPerCommonShareComputation">
        <link:definition>2129100 - Disclosure - EARNINGS PER COMMON SHARE COMPUTATION</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsPerCommonShareComputationScheduleOfDetailsSupportingComputationOfEarningsPerShareDetail" roleURI="http://www.humana.com/role/EarningsPerCommonShareComputationScheduleOfDetailsSupportingComputationOfEarningsPerShareDetail">
        <link:definition>2429402 - Disclosure - EARNINGS PER COMMON SHARE COMPUTATION - Schedule of Details Supporting Computation of Earnings Per Share (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsPerCommonShareComputationTables" roleURI="http://www.humana.com/role/EarningsPerCommonShareComputationTables">
        <link:definition>2329301 - Disclosure - EARNINGS PER COMMON SHARE COMPUTATION (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlans" roleURI="http://www.humana.com/role/EmployeeBenefitPlans">
        <link:definition>2128100 - Disclosure - EMPLOYEE BENEFIT PLANS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansActivityForOptionPlansDetail" roleURI="http://www.humana.com/role/EmployeeBenefitPlansActivityForOptionPlansDetail">
        <link:definition>2428406 - Disclosure - EMPLOYEE BENEFIT PLANS - Activity for Option Plans (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansAdditionalInformationDetail" roleURI="http://www.humana.com/role/EmployeeBenefitPlansAdditionalInformationDetail">
        <link:definition>2428402 - Disclosure - EMPLOYEE BENEFIT PLANS - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansStockBasedCompensationExpenseDetail" roleURI="http://www.humana.com/role/EmployeeBenefitPlansStockBasedCompensationExpenseDetail">
        <link:definition>2428403 - Disclosure - EMPLOYEE BENEFIT PLANS - Stock-Based Compensation Expense (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansTables" roleURI="http://www.humana.com/role/EmployeeBenefitPlansTables">
        <link:definition>2328301 - Disclosure - EMPLOYEE BENEFIT PLANS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansWeightedAverageFairValueOfStockOptionsDetail" roleURI="http://www.humana.com/role/EmployeeBenefitPlansWeightedAverageFairValueOfStockOptionsDetail">
        <link:definition>2428405 - Disclosure - EMPLOYEE BENEFIT PLANS - Weighted-Average Fair Value of Stock Options (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlansWeightedAverageGrantDateFairValueOfRestrictedStockAwardsDetail" roleURI="http://www.humana.com/role/EmployeeBenefitPlansWeightedAverageGrantDateFairValueOfRestrictedStockAwardsDetail">
        <link:definition>2428404 - Disclosure - EMPLOYEE BENEFIT PLANS - Weighted-Average Grant Date Fair Value of Restricted Stock Awards (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ExpensesAssociatedWithLongDurationInsuranceProducts" roleURI="http://www.humana.com/role/ExpensesAssociatedWithLongDurationInsuranceProducts">
        <link:definition>2141100 - Disclosure - EXPENSES ASSOCIATED WITH LONG-DURATION INSURANCE PRODUCTS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ExpensesAssociatedWithLongDurationInsuranceProductsAdditionalInformationDetail" roleURI="http://www.humana.com/role/ExpensesAssociatedWithLongDurationInsuranceProductsAdditionalInformationDetail">
        <link:definition>2441402 - Disclosure - EXPENSES ASSOCIATED WITH LONG-DURATION INSURANCE PRODUCTS - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ExpensesAssociatedWithLongDurationInsuranceProductsScheduleOfDeferredAcquisitionCostAndFuturePolicyBenefitsPayableWithOurLongDurationInsuranceProductsDetail" roleURI="http://www.humana.com/role/ExpensesAssociatedWithLongDurationInsuranceProductsScheduleOfDeferredAcquisitionCostAndFuturePolicyBenefitsPayableWithOurLongDurationInsuranceProductsDetail">
        <link:definition>2441403 - Disclosure - EXPENSES ASSOCIATED WITH LONG-DURATION INSURANCE PRODUCTS - Schedule of Deferred Acquisition Cost and Future Policy Benefits Payable With Our Long-Duration Insurance Products (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ExpensesAssociatedWithLongDurationInsuranceProductsTables" roleURI="http://www.humana.com/role/ExpensesAssociatedWithLongDurationInsuranceProductsTables">
        <link:definition>2341301 - Disclosure - EXPENSES ASSOCIATED WITH LONG-DURATION INSURANCE PRODUCTS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValue" roleURI="http://www.humana.com/role/FairValue">
        <link:definition>2104100 - Disclosure - FAIR VALUE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueChangesInFairValueOfAssetsMeasuredUsingSignificantUnobservableInputsDetail" roleURI="http://www.humana.com/role/FairValueChangesInFairValueOfAssetsMeasuredUsingSignificantUnobservableInputsDetail">
        <link:definition>2404404 - Disclosure - FAIR VALUE - Changes in Fair Value of Assets Measured Using Significant Unobservable Inputs (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueDetail" roleURI="http://www.humana.com/role/FairValueDetail">
        <link:definition>2404402 - Disclosure - FAIR VALUE (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueFinancialAssetsMeasuredAtFairValueOnRecurringBasisDetail" roleURI="http://www.humana.com/role/FairValueFinancialAssetsMeasuredAtFairValueOnRecurringBasisDetail">
        <link:definition>2404403 - Disclosure - FAIR VALUE - Financial Assets Measured at Fair Value on Recurring Basis (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueTables" roleURI="http://www.humana.com/role/FairValueTables">
        <link:definition>2304301 - Disclosure - FAIR VALUE (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="GoodwillAndOtherIntangibleAssets" roleURI="http://www.humana.com/role/GoodwillAndOtherIntangibleAssets">
        <link:definition>2115100 - Disclosure - GOODWILL AND OTHER INTANGIBLE ASSETS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="GoodwillAndOtherIntangibleAssetsAdditionalInformationDetail" roleURI="http://www.humana.com/role/GoodwillAndOtherIntangibleAssetsAdditionalInformationDetail">
        <link:definition>2415402 - Disclosure - GOODWILL AND OTHER INTANGIBLE ASSETS - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="GoodwillAndOtherIntangibleAssetsChangesInCarryingAmountOfGoodwillByReportableSegmentsDetail" roleURI="http://www.humana.com/role/GoodwillAndOtherIntangibleAssetsChangesInCarryingAmountOfGoodwillByReportableSegmentsDetail">
        <link:definition>2415403 - Disclosure - GOODWILL AND OTHER INTANGIBLE ASSETS - Changes in Carrying Amount of Goodwill by Reportable Segments (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="GoodwillAndOtherIntangibleAssetsDetailsOfIntangibleAssetsIncludedInOtherLongTermAssetsDetail" roleURI="http://www.humana.com/role/GoodwillAndOtherIntangibleAssetsDetailsOfIntangibleAssetsIncludedInOtherLongTermAssetsDetail">
        <link:definition>2415404 - Disclosure - GOODWILL AND OTHER INTANGIBLE ASSETS - Details of Intangible Assets Included in Other Long-Term Assets (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="GoodwillAndOtherIntangibleAssetsScheduleOfEstimatedAmortizationExpenseDetail" roleURI="http://www.humana.com/role/GoodwillAndOtherIntangibleAssetsScheduleOfEstimatedAmortizationExpenseDetail">
        <link:definition>2415405 - Disclosure - GOODWILL AND OTHER INTANGIBLE ASSETS - Schedule of Estimated Amortization Expense (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="GoodwillAndOtherIntangibleAssetsTables" roleURI="http://www.humana.com/role/GoodwillAndOtherIntangibleAssetsTables">
        <link:definition>2315301 - Disclosure - GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="HealthCareReform" roleURI="http://www.humana.com/role/HealthCareReform">
        <link:definition>2112100 - Disclosure - HEALTH CARE REFORM</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="HealthCareReformDetails" roleURI="http://www.humana.com/role/HealthCareReformDetails">
        <link:definition>2412402 - Disclosure - HEALTH CARE REFORM (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="HealthCareReformTables" roleURI="http://www.humana.com/role/HealthCareReformTables">
        <link:definition>2312301 - Disclosure - HEALTH CARE REFORM (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxes" roleURI="http://www.humana.com/role/IncomeTaxes">
        <link:definition>2122100 - Disclosure - INCOME TAXES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesAdditionalInformationDetail" roleURI="http://www.humana.com/role/IncomeTaxesAdditionalInformationDetail">
        <link:definition>2422402 - Disclosure - INCOME TAXES - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesPrincipalComponentsOfNetDeferredTaxBalancesDetail" roleURI="http://www.humana.com/role/IncomeTaxesPrincipalComponentsOfNetDeferredTaxBalancesDetail">
        <link:definition>2422405 - Disclosure - INCOME TAXES - Principal Components of Net Deferred Tax Balances (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesProvisionForIncomeTaxesDetail" roleURI="http://www.humana.com/role/IncomeTaxesProvisionForIncomeTaxesDetail">
        <link:definition>2422403 - Disclosure - INCOME TAXES - Provision for Income Taxes (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesProvisionForIncomeTaxesUsingFederalStatutoryRateDetail" roleURI="http://www.humana.com/role/IncomeTaxesProvisionForIncomeTaxesUsingFederalStatutoryRateDetail">
        <link:definition>2422404 - Disclosure - INCOME TAXES - Provision for Income Taxes Using Federal Statutory Rate (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesTables" roleURI="http://www.humana.com/role/IncomeTaxesTables">
        <link:definition>2322301 - Disclosure - INCOME TAXES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecurities" roleURI="http://www.humana.com/role/InvestmentSecurities">
        <link:definition>2103100 - Disclosure - INVESTMENT SECURITIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesAdditionalInformationDetail" roleURI="http://www.humana.com/role/InvestmentSecuritiesAdditionalInformationDetail">
        <link:definition>2403402 - Disclosure - INVESTMENT SECURITIES - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesScheduleOfContractualMaturitiesOfDebtSecuritiesAvailableForSaleDetail" roleURI="http://www.humana.com/role/InvestmentSecuritiesScheduleOfContractualMaturitiesOfDebtSecuritiesAvailableForSaleDetail">
        <link:definition>2403406 - Disclosure - INVESTMENT SECURITIES - Schedule of Contractual Maturities of Debt Securities Available for Sale (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesScheduleOfGrossUnrealizedLossesAndFairValuesOfSecuritiesDetail" roleURI="http://www.humana.com/role/InvestmentSecuritiesScheduleOfGrossUnrealizedLossesAndFairValuesOfSecuritiesDetail">
        <link:definition>2403404 - Disclosure - INVESTMENT SECURITIES - Schedule of Gross Unrealized Losses and Fair Values of Securities (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesScheduleOfInvestmentSecuritiesClassifiedAsCurrentAndLongTermDetail" roleURI="http://www.humana.com/role/InvestmentSecuritiesScheduleOfInvestmentSecuritiesClassifiedAsCurrentAndLongTermDetail">
        <link:definition>2403403 - Disclosure - INVESTMENT SECURITIES - Schedule of Investment Securities Classified as Current and Long-Term (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesScheduleOfRealizedGainsLossesRelatedToInvestmentSecuritiesIncludedWithinInvestmentIncomeDetail" roleURI="http://www.humana.com/role/InvestmentSecuritiesScheduleOfRealizedGainsLossesRelatedToInvestmentSecuritiesIncludedWithinInvestmentIncomeDetail">
        <link:definition>2403405 - Disclosure - INVESTMENT SECURITIES - Schedule of Realized Gains (Losses) Related to Investment Securities Included Within Investment Income (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesTables" roleURI="http://www.humana.com/role/InvestmentSecuritiesTables">
        <link:definition>2303301 - Disclosure - INVESTMENT SECURITIES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="MedicarePartD" roleURI="http://www.humana.com/role/MedicarePartD">
        <link:definition>2109100 - Disclosure - MEDICARE PART D</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="MedicarePartDDetail" roleURI="http://www.humana.com/role/MedicarePartDDetail">
        <link:definition>2409402 - Disclosure - MEDICARE PART D (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="MedicarePartDTables" roleURI="http://www.humana.com/role/MedicarePartDTables">
        <link:definition>2309301 - Disclosure - MEDICARE PART D (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PropertyAndEquipmentNet" roleURI="http://www.humana.com/role/PropertyAndEquipmentNet">
        <link:definition>2114100 - Disclosure - PROPERTY AND EQUIPMENT, NET</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PropertyAndEquipmentNetAdditionalInformationDetail" roleURI="http://www.humana.com/role/PropertyAndEquipmentNetAdditionalInformationDetail">
        <link:definition>2414403 - Disclosure - PROPERTY AND EQUIPMENT, NET - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PropertyAndEquipmentNetDetail" roleURI="http://www.humana.com/role/PropertyAndEquipmentNetDetail">
        <link:definition>2414402 - Disclosure - PROPERTY AND EQUIPMENT, NET (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PropertyAndEquipmentNetTables" roleURI="http://www.humana.com/role/PropertyAndEquipmentNetTables">
        <link:definition>2314301 - Disclosure - PROPERTY AND EQUIPMENT, NET (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="QuarterlyFinancialInformationUnaudited" roleURI="http://www.humana.com/role/QuarterlyFinancialInformationUnaudited">
        <link:definition>2144100 - Disclosure - QUARTERLY FINANCIAL INFORMATION (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="QuarterlyFinancialInformationUnauditedDetails" roleURI="http://www.humana.com/role/QuarterlyFinancialInformationUnauditedDetails">
        <link:definition>2444402 - Disclosure - QUARTERLY FINANCIAL INFORMATION (Unaudited) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="QuarterlyFinancialInformationUnauditedTables" roleURI="http://www.humana.com/role/QuarterlyFinancialInformationUnauditedTables">
        <link:definition>2344301 - Disclosure - QUARTERLY FINANCIAL INFORMATION (Unaudited) (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Reinsurance" roleURI="http://www.humana.com/role/Reinsurance">
        <link:definition>2143100 - Disclosure - REINSURANCE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReinsuranceAdditionalInformationDetail" roleURI="http://www.humana.com/role/ReinsuranceAdditionalInformationDetail">
        <link:definition>2443402 - Disclosure - REINSURANCE - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReinsuranceBalanceAndFinancialRatingRelatedToReinsurersDetail" roleURI="http://www.humana.com/role/ReinsuranceBalanceAndFinancialRatingRelatedToReinsurersDetail">
        <link:definition>2443403 - Disclosure - REINSURANCE - Balance and Financial Rating Related to Reinsurers (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReinsuranceTables" roleURI="http://www.humana.com/role/ReinsuranceTables">
        <link:definition>2343301 - Disclosure - REINSURANCE (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReportingEntity" roleURI="http://www.humana.com/role/ReportingEntity">
        <link:definition>2101100 - Disclosure - REPORTING ENTITY</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReportingEntityDetail" roleURI="http://www.humana.com/role/ReportingEntityDetail">
        <link:definition>2401401 - Disclosure - REPORTING ENTITY (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ScheduleIParentCompanyFinancialInformation" roleURI="http://www.humana.com/role/ScheduleIParentCompanyFinancialInformation">
        <link:definition>2146100 - Disclosure - SCHEDULE I-PARENT COMPANY FINANCIAL INFORMATION</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ScheduleIParentCompanyFinancialInformationCondensedBalanceSheetsDetail" roleURI="http://www.humana.com/role/ScheduleIParentCompanyFinancialInformationCondensedBalanceSheetsDetail">
        <link:definition>2446401 - Disclosure - Schedule I - Parent Company Financial Information (Condensed Balance Sheets) (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ScheduleIParentCompanyFinancialInformationCondensedBalanceSheetsParentheticalDetail" roleURI="http://www.humana.com/role/ScheduleIParentCompanyFinancialInformationCondensedBalanceSheetsParentheticalDetail">
        <link:definition>2446402 - Disclosure - Schedule I - Parent Company Financial Information (Condensed Balance Sheets) Parenthetical (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ScheduleIParentCompanyFinancialInformationCondensedStatementsOfCashFlowsDetail" roleURI="http://www.humana.com/role/ScheduleIParentCompanyFinancialInformationCondensedStatementsOfCashFlowsDetail">
        <link:definition>2446405 - Disclosure - Schedule I - Parent Company Financial Information (Condensed Statements of Cash Flows) (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ScheduleIParentCompanyFinancialInformationCondensedStatementsOfComprehensiveIncomeDetail" roleURI="http://www.humana.com/role/ScheduleIParentCompanyFinancialInformationCondensedStatementsOfComprehensiveIncomeDetail">
        <link:definition>2446404 - Disclosure - Schedule I - Parent Company Financial Information (Condensed Statements of Comprehensive Income) (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ScheduleIParentCompanyFinancialInformationCondensedStatementsOfIncomeDetail" roleURI="http://www.humana.com/role/ScheduleIParentCompanyFinancialInformationCondensedStatementsOfIncomeDetail">
        <link:definition>2446403 - Disclosure - Schedule I - Parent Company Financial Information (Condensed Statements of Income) (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ScheduleIiValuationAndQualifyingAccounts" roleURI="http://www.humana.com/role/ScheduleIiValuationAndQualifyingAccounts">
        <link:definition>2147100 - Disclosure - SCHEDULE II-VALUATION AND QUALIFYING ACCOUNTS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ScheduleIiValuationAndQualifyingAccountsDetail" roleURI="http://www.humana.com/role/ScheduleIiValuationAndQualifyingAccountsDetail">
        <link:definition>2447401 - Disclosure - SCHEDULE II-VALUATION AND QUALIFYING ACCOUNTS (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentInformation" roleURI="http://www.humana.com/role/SegmentInformation">
        <link:definition>2140100 - Disclosure - SEGMENT INFORMATION</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentInformationAdditionalInformationDetail" roleURI="http://www.humana.com/role/SegmentInformationAdditionalInformationDetail">
        <link:definition>2440402 - Disclosure - SEGMENT INFORMATION - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentInformationInformationBySegmentDetail" roleURI="http://www.humana.com/role/SegmentInformationInformationBySegmentDetail">
        <link:definition>2440403 - Disclosure - SEGMENT INFORMATION - Information by Segment (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentInformationTables" roleURI="http://www.humana.com/role/SegmentInformationTables">
        <link:definition>2340301 - Disclosure - SEGMENT INFORMATION (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockholdersEquity" roleURI="http://www.humana.com/role/StockholdersEquity">
        <link:definition>2135100 - Disclosure - STOCKHOLDERS' EQUITY</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockholdersEquityAdditionalInformationDetail" roleURI="http://www.humana.com/role/StockholdersEquityAdditionalInformationDetail">
        <link:definition>2435403 - Disclosure - STOCKHOLDERS' EQUITY - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockholdersEquityScheduleOfDetailsOfDividendPaymentsDetail" roleURI="http://www.humana.com/role/StockholdersEquityScheduleOfDetailsOfDividendPaymentsDetail">
        <link:definition>2435402 - Disclosure - STOCKHOLDERS' EQUITY - Schedule of Details of Dividend Payments (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockholdersEquityTables" roleURI="http://www.humana.com/role/StockholdersEquityTables">
        <link:definition>2335301 - Disclosure - STOCKHOLDERS' EQUITY (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryOfSignificantAccountingPolicies" roleURI="http://www.humana.com/role/SummaryOfSignificantAccountingPolicies">
        <link:definition>2101100 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryOfSignificantAccountingPoliciesDetail" roleURI="http://www.humana.com/role/SummaryOfSignificantAccountingPoliciesDetail">
        <link:definition>2401402 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryOfSignificantAccountingPoliciesPolicies" roleURI="http://www.humana.com/role/SummaryOfSignificantAccountingPoliciesPolicies">
        <link:definition>2201201 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:element abstract="true" id="hum_A2.625PercentSeniorNotesDueOctober2019Member" name="A2.625PercentSeniorNotesDueOctober2019Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_A2011PlanMember" name="A2011PlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_A2014ACAProductsMember" name="A2014ACAProductsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_A2014And2015ACAProductsMember" name="A2014And2015ACAProductsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_A2015ACAProductsMember" name="A2015ACAProductsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_A2016ACAProductsMember" name="A2016ACAProductsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_A3.15PercentSeniorNotesDueDecember2022Member" name="A3.15PercentSeniorNotesDueDecember2022Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_A3.85PercentSeniorNotesDueOctober2024Member" name="A3.85PercentSeniorNotesDueOctober2024Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_A4.625PercentSeniorNotesDueDecember2042Member" name="A4.625PercentSeniorNotesDueDecember2042Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_A4.95PercentSeniorNotesDueOctober2044Member" name="A4.95PercentSeniorNotesDueOctober2044Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_A6.30PercentSeniorNotesDueAugust2018Member" name="A6.30PercentSeniorNotesDueAugust2018Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_A6.45PercentSeniorNotesDueJune2016Member" name="A6.45PercentSeniorNotesDueJune2016Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_A7.20PercentSeniorNotesDueJune2018Member" name="A7.20PercentSeniorNotesDueJune2018Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_A8.15PercentSeniorNotesDueJune2038Member" name="A8.15PercentSeniorNotesDueJune2038Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_ASOAndOtherMember" name="ASOAndOtherMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_AcceleratedShareRepurchaseAgreementMember" name="AcceleratedShareRepurchaseAgreementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_AcceleratedShareRepurchasesSettlementPaymentorReceiptShares" name="AcceleratedShareRepurchasesSettlementPaymentorReceiptShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_AccountingStandardsUpdate201609Member" name="AccountingStandardsUpdate201609Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_AccruedPharmaceuticalRebatesCurrent" name="AccruedPharmaceuticalRebatesCurrent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hum_AcquisitionCostsPolicyPolicyTextBlock" name="AcquisitionCostsPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_AdjustmentToFuturePolicyBenefitsAssumingUnrealizedGainsOnInvestmentsRealizedAndReinvestedAtCurrentYields" name="AdjustmentToFuturePolicyBenefitsAssumingUnrealizedGainsOnInvestmentsRealizedAndReinvestedAtCurrentYields" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_AllOthersMember" name="AllOthersMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_AmountHeldInCashAndSecuritiesInTrustAtLeastEqualToRecoverableFromReinsurer" name="AmountHeldInCashAndSecuritiesInTrustAtLeastEqualToRecoverableFromReinsurer" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_April2013ShareRepurchaseAuthorizationMember" name="April2013ShareRepurchaseAuthorizationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_April2014ShareRepurchaseAuthorizationMember" name="April2014ShareRepurchaseAuthorizationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_AvailableforsaleSecuritiesinUnrealizedLossPositionsQualitativeDisclosureNumberofPositionInLoss" name="AvailableforsaleSecuritiesinUnrealizedLossPositionsQualitativeDisclosureNumberofPositionInLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="hum_BalanceSheetAccountAssociatedWithMedicarePartDTableTextBlock" name="BalanceSheetAccountAssociatedWithMedicarePartDTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_BenefitExpensesAssociatedWithMilitaryServicesAndProvisionsAssociatedWithFuturePolicyBenefits" name="BenefitExpensesAssociatedWithMilitaryServicesAndProvisionsAssociatedWithFuturePolicyBenefits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_BenefitsPayableActivityTableTextBlock" name="BenefitsPayableActivityTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_BenefitsPayableAndBenefitExpenseRecognitionPolicyTextBlock" name="BenefitsPayableAndBenefitExpenseRecognitionPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_BenefitsPayableTextBlock" name="BenefitsPayableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_BookOverdraftPolicyTextBlock" name="BookOverdraftPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_CMSBrandNamePrescriptionDrugDiscountsMember" name="CMSBrandNamePrescriptionDrugDiscountsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_CMSReinsuranceSubsidiesorDiscountsMember" name="CMSReinsuranceSubsidiesorDiscountsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_CapitalContributionsToOperatingSubsidiaries" name="CapitalContributionsToOperatingSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_ClosedBlockLongTermCarePoliciesMember" name="ClosedBlockLongTermCarePoliciesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_ClosingStockPrice" name="ClosingStockPrice" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_CmsSubsidiesOrDiscountsMember" name="CmsSubsidiesOrDiscountsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_CoinsuranceAgreementMember" name="CoinsuranceAgreementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_CombinationOfAgeAndYearsNecessaryForRetirementProvisionAsRelatedToOurEquityAwardProgram" name="CombinationOfAgeAndYearsNecessaryForRetirementProvisionAsRelatedToOurEquityAwardProgram" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_CommercialMedicalMember" name="CommercialMedicalMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_CommonStockDividendsPerShareMaximumAllowedPriorToMerger" name="CommonStockDividendsPerShareMaximumAllowedPriorToMerger" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_ConcentraInc.Member" name="ConcentraInc.Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_ConsumerDiscountsOnBrandNamePrescriptionDrugs" name="ConsumerDiscountsOnBrandNamePrescriptionDrugs" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_ContractTermYears" name="ContractTermYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_CreditAgreementMember" name="CreditAgreementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_DebtInstrumentCovenantLeverageRatio" name="DebtInstrumentCovenantLeverageRatio" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="instant" />
  <xsd:element id="hum_DebtInstrumentCovenantLeverageRatioMaximum" name="DebtInstrumentCovenantLeverageRatioMaximum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="instant" />
  <xsd:element id="hum_DebtInstrumentUnamortizedDiscountPremiumNetReductionDuetoExtinguishmentofDebt" name="DebtInstrumentUnamortizedDiscountPremiumNetReductionDuetoExtinguishmentofDebt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_DeferredTaxAssetsDeferredPolicyAcquisitionCost" name="DeferredTaxAssetsDeferredPolicyAcquisitionCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hum_DeferredTaxAssetsFuturePolicyBenefitsPayable" name="DeferredTaxAssetsFuturePolicyBenefitsPayable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hum_DeferredTaxLiabilitiesDepreciablePropertyAndIntangibleAssets" name="DeferredTaxLiabilitiesDepreciablePropertyAndIntangibleAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hum_DepreciationAndAmortizationClassifiedAsBenefitExpense" name="DepreciationAndAmortizationClassifiedAsBenefitExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_DepreciationAndAmortizationIncomeStatement" name="DepreciationAndAmortizationIncomeStatement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_DividendsToParentWithoutPriorStateRegulatoryApproval" name="DividendsToParentWithoutPriorStateRegulatoryApproval" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_EffectiveIncomeTaxRateReconciliationHealthInsurerFeeAmount" name="EffectiveIncomeTaxRateReconciliationHealthInsurerFeeAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount" name="EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hum_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPerShareAmount" name="EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPerShareAmount" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_EmployeeServiceShareBasedCompensationTaxBenefitRealizedFromExerciseOfStockOptionsAndRestrictedStockVesting" name="EmployeeServiceShareBasedCompensationTaxBenefitRealizedFromExerciseOfStockOptionsAndRestrictedStockVesting" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_EmployersReassuranceCorporationMember" name="EmployersReassuranceCorporationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_EquityInNetEarningsOfSubsidiaries" name="EquityInNetEarningsOfSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_ExcludingEmployeeStockPlansAndAcceleratedShareRepurchaseAgreementMember" name="ExcludingEmployeeStockPlansAndAcceleratedShareRepurchaseAgreementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisLineItems" name="FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTable" name="FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_FavorableMedicalClaimsReserveDevelopmentRelatedToPriorFiscalYears" name="FavorableMedicalClaimsReserveDevelopmentRelatedToPriorFiscalYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_FullyInsuredMember" name="FullyInsuredMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_FuturePolicyAndBenefitsPayablePolicyTextBlock" name="FuturePolicyAndBenefitsPayablePolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_GeneralObligationBondsAsPercentageOfTaxExemptMunicipalSecuritiesThatWereNotPreRefunded" name="GeneralObligationBondsAsPercentageOfTaxExemptMunicipalSecuritiesThatWereNotPreRefunded" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_GeneralReLifeCorporationMember" name="GeneralReLifeCorporationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_GovernmentAndHealthPlanMemberPayments" name="GovernmentAndHealthPlanMemberPayments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hum_GovernmentAndHealthPlanMemberSubsidiesAmount" name="GovernmentAndHealthPlanMemberSubsidiesAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_GovernmentandHealthPlanMemberSubsidiesAmountinExcessofPayments" name="GovernmentandHealthPlanMemberSubsidiesAmountinExcessofPayments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_GroupMedicareAdvantageMember" name="GroupMedicareAdvantageMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_GroupMember" name="GroupMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_HealthAndHumanServicesMember" name="HealthAndHumanServicesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_HealthAndWellBeingServicesMember" name="HealthAndWellBeingServicesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_HealthCareCostPayments" name="HealthCareCostPayments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_HealthCareCostPaymentsAndReimbursementsNet" name="HealthCareCostPaymentsAndReimbursementsNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_HealthCareCostReimbursements" name="HealthCareCostReimbursements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_HealthCareReformMember" name="HealthCareReformMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_HealthCareReformPolicyTextBlock" name="HealthCareReformPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_HealthCareReformPremiumDeficiencyCurrentPeriodResultsIncreaseDecreaseInPDRLiability" name="HealthCareReformPremiumDeficiencyCurrentPeriodResultsIncreaseDecreaseInPDRLiability" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hum_HealthCareReformPremiumDeficiencyReserve" name="HealthCareReformPremiumDeficiencyReserve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hum_HealthCareReformPremiumDeficiencyReserveChangeInEstimate" name="HealthCareReformPremiumDeficiencyReserveChangeInEstimate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hum_HealthCareReformProvisionforPremiumDeficiency" name="HealthCareReformProvisionforPremiumDeficiency" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hum_HealthCareReformProvisionforPremiumDeficiency1" name="HealthCareReformProvisionforPremiumDeficiency1" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_HealthcareServicesMember" name="HealthcareServicesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_IncomeLossBeforeEquityInNetEarningsOfSubsidiaries" name="IncomeLossBeforeEquityInNetEarningsOfSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hum_IncomeLossBeforeIncomeTaxesandEquityinNetEarningsOfSubsidiaries" name="IncomeLossBeforeIncomeTaxesandEquityinNetEarningsOfSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hum_IncreaseToFuturePolicyBenefitsPayable" name="IncreaseToFuturePolicyBenefitsPayable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hum_IncreaseToReinsuranceRecoverable" name="IncreaseToReinsuranceRecoverable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hum_IndividualMajorMedicalPoliciesMember" name="IndividualMajorMedicalPoliciesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_InvestmentAndOtherIncomeNet" name="InvestmentAndOtherIncomeNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hum_InvestmentInRelatedPartiesAndSubsidiaries" name="InvestmentInRelatedPartiesAndSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hum_LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseCumulativeNumberOfReportedClaims" name="LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseCumulativeNumberOfReportedClaims" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_LongDurationInsuranceProductsAxis" name="LongDurationInsuranceProductsAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_LongDurationInsuranceProductsDomain" name="LongDurationInsuranceProductsDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_LongDurationInsuranceProductsLineItems" name="LongDurationInsuranceProductsLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_LongDurationInsuranceProductsTable" name="LongDurationInsuranceProductsTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_LongTermInsuranceReserveStrengtheningExpense" name="LongTermInsuranceReserveStrengtheningExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_LongTermInsuranceReserveStrengtheningExpenseNetOfTax" name="LongTermInsuranceReserveStrengtheningExpenseNetOfTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_LongTermInsuranceReserveStrengtheningExpensePerDilutedShare" name="LongTermInsuranceReserveStrengtheningExpensePerDilutedShare" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_LossBeforeIncomeTaxesAndEquityInNetEarningsOfSubsidiaries" name="LossBeforeIncomeTaxesAndEquityInNetEarningsOfSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hum_LossContingencyBreakUpFeeToBeReceived" name="LossContingencyBreakUpFeeToBeReceived" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hum_ManagementFeesChargedToOperatingSubsidiaries" name="ManagementFeesChargedToOperatingSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hum_MaximumCarryingValueOfReinsuranceRecoverablesForNumberOfReinsurers" name="MaximumCarryingValueOfReinsuranceRecoverablesForNumberOfReinsurers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_MaximumDeductibilityOfAnnualCompensationPerEmployeeAsMandatedByHealthReforms" name="MaximumDeductibilityOfAnnualCompensationPerEmployeeAsMandatedByHealthReforms" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_MaximumPercentageOfAnyGeneralObligationBondsInOneState" name="MaximumPercentageOfAnyGeneralObligationBondsInOneState" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_McciHoldingsLlcMember" name="McciHoldingsLlcMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_MedicaidAndOtherMember" name="MedicaidAndOtherMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_MedicaidMember" name="MedicaidMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_MedicareAdvantageMember" name="MedicareAdvantageMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_MedicareMember" name="MedicareMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_MedicarePartDDisclosureTextBlock" name="MedicarePartDDisclosureTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_MedicareStandAlonePrescriptionDrugPlanMember" name="MedicareStandAlonePrescriptionDrugPlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_MilitaryServiceMember" name="MilitaryServiceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_MilitaryServicesBenefitExpenseAndFuturePolicyBenefitsProvisionTableTextBlock" name="MilitaryServicesBenefitExpenseAndFuturePolicyBenefitsProvisionTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_MilitaryServicesBenefitExpenseBenefit" name="MilitaryServicesBenefitExpenseBenefit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_MinimumAgeRequiredForRetirementEligibilityAsRelatedToOurEquityAwardProgram" name="MinimumAgeRequiredForRetirementEligibilityAsRelatedToOurEquityAwardProgram" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_MinimumNumberOfYearsOfServiceForRetirementEligibilityAsRelatedToOurEquityAwardProgram" name="MinimumNumberOfYearsOfServiceForRetirementEligibilityAsRelatedToOurEquityAwardProgram" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_MortgagebackedSecuritiesasPercentageofAgencyMortgagebackedSecurities" name="MortgagebackedSecuritiesasPercentageofAgencyMortgagebackedSecurities" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hum_MunichAmericanReassuranceCompanyMember" name="MunichAmericanReassuranceCompanyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_NetAssetLiabilityDeferredAcquisitionCost" name="NetAssetLiabilityDeferredAcquisitionCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hum_NetAssetLiabilityFuturePolicyBenefitsPayable" name="NetAssetLiabilityFuturePolicyBenefitsPayable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hum_NetCurrentLiabilityAsset" name="NetCurrentLiabilityAsset" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hum_NetOperatingLeaseCommitmentThereafter" name="NetOperatingLeaseCommitmentThereafter" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hum_NetOperatingLeaseCommitmentTotal" name="NetOperatingLeaseCommitmentTotal" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hum_NetOperatingLeaseCommitmentWithinYearFive" name="NetOperatingLeaseCommitmentWithinYearFive" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hum_NetOperatingLeaseCommitmentWithinYearFour" name="NetOperatingLeaseCommitmentWithinYearFour" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hum_NetOperatingLeaseCommitmentWithinYearOne" name="NetOperatingLeaseCommitmentWithinYearOne" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hum_NetOperatingLeaseCommitmentWithinYearThree" name="NetOperatingLeaseCommitmentWithinYearThree" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hum_NetOperatingLeaseCommitmentWithinYearTwo" name="NetOperatingLeaseCommitmentWithinYearTwo" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hum_NewTricareSouthRegionContractMember" name="NewTricareSouthRegionContractMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_NoncompetesAndOtherMember" name="NoncompetesAndOtherMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_NoteReceivableStatedInterestRate" name="NoteReceivableStatedInterestRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_NumberOfDaysNoticeForEmployerGroupToCancelShortDurationPrepaidHealthServicesPolicies" name="NumberOfDaysNoticeForEmployerGroupToCancelShortDurationPrepaidHealthServicesPolicies" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_NumberOfReinsurersComprisingOtherReinsuranceRecoverablesBalance" name="NumberOfReinsurersComprisingOtherReinsuranceRecoverablesBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_NumberOfReinsurersWhoHavePlacedCashAndSecuritiesInTrusts" name="NumberOfReinsurersWhoHavePlacedCashAndSecuritiesInTrusts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="hum_NumberOfSharesOfOurCommonStockReservedForIssuanceUnderOurDefinedContributionRetirementSavingsPlans" name="NumberOfSharesOfOurCommonStockReservedForIssuanceUnderOurDefinedContributionRetirementSavingsPlans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="hum_NumberOfYearForStockOptionsToVest" name="NumberOfYearForStockOptionsToVest" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_OperatingLeaseRentalExpensesNet" name="OperatingLeaseRentalExpensesNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_OtherCurrentAssetsPolicyTextBlock" name="OtherCurrentAssetsPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_OtherLongTermAssetsDeferredAcquisitionCosts" name="OtherLongTermAssetsDeferredAcquisitionCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hum_OtherLongTermAssetsFuturePolicyBenefitsPayable" name="OtherLongTermAssetsFuturePolicyBenefitsPayable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hum_OtherLongTermLiabilitiesDeferredAcquisitionCost" name="OtherLongTermLiabilitiesDeferredAcquisitionCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hum_PaymentOfAnnualHealthInsuranceIndustryFee" name="PaymentOfAnnualHealthInsuranceIndustryFee" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_PennTreatyInsolvencyMember" name="PennTreatyInsolvencyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_PercentOfConsolidatedPremiumsAndServicesRevenuesRelatedToLongDurationInsuranceProducts" name="PercentOfConsolidatedPremiumsAndServicesRevenuesRelatedToLongDurationInsuranceProducts" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_PercentageOfCoinsuranceAgreement" name="PercentageOfCoinsuranceAgreement" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_PercentageOfCollateralRelatedToPrimeLoan" name="PercentageOfCollateralRelatedToPrimeLoan" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="hum_PercentageOfCorporateSecuritiesAssociatedWithFinancialServicesIndustry" name="PercentageOfCorporateSecuritiesAssociatedWithFinancialServicesIndustry" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="hum_PercentageOfPremiumsAndServicesRevenueRelatedToContractsForMedicareAdvantage" name="PercentageOfPremiumsAndServicesRevenueRelatedToContractsForMedicareAdvantage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_PercentageOfRetirementAndSavingsPlanSAssetsInvestedInOurCommonStockAsComparedToCompanySOutstandingSharesAtYearEnd" name="PercentageOfRetirementAndSavingsPlanSAssetsInvestedInOurCommonStockAsComparedToCompanySOutstandingSharesAtYearEnd" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_PercentageOfRetirementAndSavingsPlanSAssetsInvestedInOurCompanyCommonStock" name="PercentageOfRetirementAndSavingsPlanSAssetsInvestedInOurCompanyCommonStock" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_PercentageOfTaxExemptSecurities" name="PercentageOfTaxExemptSecurities" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="hum_PercentageOfTaxExemptToMunicipalSecuritiesClassifiedAsPreRefunded" name="PercentageOfTaxExemptToMunicipalSecuritiesClassifiedAsPreRefunded" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="hum_PercentageOfTotalDebtSecurities" name="PercentageOfTotalDebtSecurities" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="hum_PercentageOfTotalPremiumAndServicesRevenues" name="PercentageOfTotalPremiumAndServicesRevenues" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_PercentageOfTotalPremiumAndServicesRevenuesDerivedFromContractsWithFederalGovernment" name="PercentageOfTotalPremiumAndServicesRevenuesDerivedFromContractsWithFederalGovernment" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_PharmacyMember" name="PharmacyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_PremiumDeficiencyReserveActivityRollForward" name="PremiumDeficiencyReserveActivityRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_PremiumsReductionWriteOffOfRiskCorridorReceivables" name="PremiumsReductionWriteOffOfRiskCorridorReceivables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_PremiumsReductionWriteOffOfRiskCorridorReceivablesNetOfTax" name="PremiumsReductionWriteOffOfRiskCorridorReceivablesNetOfTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_PremiumsReductionWriteOffOfRiskCorridorReceivablesPerDilutedShare" name="PremiumsReductionWriteOffOfRiskCorridorReceivablesPerDilutedShare" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_PriorCoverageYearsMember" name="PriorCoverageYearsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_PriorCreditAgreementMember" name="PriorCreditAgreementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_ProceedsFromRiskCorridorSettlements" name="ProceedsFromRiskCorridorSettlements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_ProtectiveLifeInsuranceCompanyMember" name="ProtectiveLifeInsuranceCompanyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_ProviderMember" name="ProviderMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_ProvisionForPremiumDeficiencyNetofTax" name="ProvisionForPremiumDeficiencyNetofTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_ProvisionForPremiumDeficiencyPerDilutedShare" name="ProvisionForPremiumDeficiencyPerDilutedShare" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_RegulatoryMattersAxis" name="RegulatoryMattersAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_RegulatoryMattersDomain" name="RegulatoryMattersDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_ReinsuranceContributionMember" name="ReinsuranceContributionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_ReinsuranceFinancialRatingsTableTextBlock" name="ReinsuranceFinancialRatingsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_ReinsuranceTable" name="ReinsuranceTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_ReinsurersRating" name="ReinsurersRating" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_RentExpenseAndSubleaseRentalIncomeAssociatedWithOperatingLeasesTextBlock" name="RentExpenseAndSubleaseRentalIncomeAssociatedWithOperatingLeasesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_RetailMember" name="RetailMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_RevenueFromPremiumsAndInvestmentIncomeMember" name="RevenueFromPremiumsAndInvestmentIncomeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_RiskAdjustmentReinsuranceandRiskCorridorsDisclosureTextBlock" name="RiskAdjustmentReinsuranceandRiskCorridorsDisclosureTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_RiskAdjustmentSettlementMember" name="RiskAdjustmentSettlementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_RiskCorridorSettlementsMedicarePartDMember" name="RiskCorridorSettlementsMedicarePartDMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_RiskCorridorSettlementsMember" name="RiskCorridorSettlementsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_ScheduleOfBenefitsExpenseTableTextBlock" name="ScheduleOfBenefitsExpenseTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_ScheduleOfDeferredAcquisitionCostAndFuturePolicyBenefitsPayableWithOurLongDurationInsuranceProductsTextBlock" name="ScheduleOfDeferredAcquisitionCostAndFuturePolicyBenefitsPayableWithOurLongDurationInsuranceProductsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_ScheduleOfDividendsDeclaredAndPaidTableTextBlock" name="ScheduleOfDividendsDeclaredAndPaidTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_ScheduleOfFavorableMedicalClaimsReserveDevelopmentRelatedToPriorFiscalYearsBySegmentTableTextBlock" name="ScheduleOfFavorableMedicalClaimsReserveDevelopmentRelatedToPriorFiscalYearsBySegmentTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_ScheduleOfPremiumDeficiencyReserveTableTextBlock" name="ScheduleOfPremiumDeficiencyReserveTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_ScheduleOfRiskAdjustmentReinsuranceRecoverableAndRiskCorridorSettlementTableTextBlock" name="ScheduleOfRiskAdjustmentReinsuranceRecoverableAndRiskCorridorSettlementTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_September2014ShareRepurchaseAuthorizationMember" name="September2014ShareRepurchaseAuthorizationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_ServicesMember" name="ServicesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrantIfAllGrantsAreOptions" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrantIfAllGrantsAreOptions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="hum_ShareBasedCompensationByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPercentOfStockWithPerformanceBasedConditions" name="ShareBasedCompensationByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPercentOfStockWithPerformanceBasedConditions" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="hum_ShareRepurchasesRelatedToEmployeeStockBasedCompensationAwardsShares" name="ShareRepurchasesRelatedToEmployeeStockBasedCompensationAwardsShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_ShareRepurchasesRelatedToEmployeeStockBasedCompensationAwardsValue" name="ShareRepurchasesRelatedToEmployeeStockBasedCompensationAwardsValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_SharesOfRetirementAndSavingsPlansInvestedInOurCompanysCommonStock" name="SharesOfRetirementAndSavingsPlansInvestedInOurCompanysCommonStock" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hum_SignificantAccountingPoliciesLineItems" name="SignificantAccountingPoliciesLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_SignificantAccountingPoliciesTable" name="SignificantAccountingPoliciesTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_Solakv.Broussardetal.Litwinv.Broussardetal.Scottv.HumanaInc.etal.Member" name="Solakv.Broussardetal.Litwinv.Broussardetal.Scottv.HumanaInc.etal.Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_SpecialRevenueBondsAsPercentageOfTaxExemptMunicipalSecuritiesThatWereNotPreRefunded" name="SpecialRevenueBondsAsPercentageOfTaxExemptMunicipalSecuritiesThatWereNotPreRefunded" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_SpecialtyMember" name="SpecialtyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_StatutoryAccountingPracticesStatutoryCapitalandSurplusRequiredContributions" name="StatutoryAccountingPracticesStatutoryCapitalandSurplusRequiredContributions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_StockBasedCompensationExpenseNetOfTax" name="StockBasedCompensationExpenseNetOfTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_SubsidyandDiscountPayments" name="SubsidyandDiscountPayments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hum_SubsidyandDiscountPaymentsinExcessofReimbursements" name="SubsidyandDiscountPaymentsinExcessofReimbursements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hum_SubsidyandDiscountReimbursements" name="SubsidyandDiscountReimbursements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_SubsidyandDiscountsSettlementPeriodAfterClose" name="SubsidyandDiscountsSettlementPeriodAfterClose" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_TradeAccountsPayableAndAccruedExpensesDeferredAcquisitionCost" name="TradeAccountsPayableAndAccruedExpensesDeferredAcquisitionCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hum_TradeAccountsPayableAndAccruedExpensesFuturePolicyBenefitsPayable" name="TradeAccountsPayableAndAccruedExpensesFuturePolicyBenefitsPayable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hum_TreasuryStockDecreaseInCapitalInExcessOfParValue" name="TreasuryStockDecreaseInCapitalInExcessOfParValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_TypicalTermInYearsOfShortDurationEmployerGroupPrepaidHealthServicesPolicies" name="TypicalTermInYearsOfShortDurationEmployerGroupPrepaidHealthServicesPolicies" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_U.S.DepartmentOfJusticevs.HumanaAndAetnaMember" name="U.S.DepartmentOfJusticevs.HumanaAndAetnaMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_UncommittedIncrementalLoanFacility" name="UncommittedIncrementalLoanFacility" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_UpperLimitPercentageOfLevelThreeAssetsToTotalInvestedAssets" name="UpperLimitPercentageOfLevelThreeAssetsToTotalInvestedAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hum_UsTreasuryAndAgencyObligationMember" name="UsTreasuryAndAgencyObligationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>