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  <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 abstract="true" id="hum_HealthcareServicesMember" name="HealthcareServicesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_HypotheticalGoodwillImpairment100BasisPointIncreaseInDiscountRate" name="HypotheticalGoodwillImpairment100BasisPointIncreaseInDiscountRate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" 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 abstract="true" id="hum_IndividualCommercialMember" name="IndividualCommercialMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_IndividualCommercialSegmentMember" name="IndividualCommercialSegmentMember" 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 abstract="true" id="hum_July2019AcceleratedShareRepurchaseAgreementMember" name="July2019AcceleratedShareRepurchaseAgreementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_July2019ShareRepurchaseAuthorizationMember" name="July2019ShareRepurchaseAuthorizationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_KMGAmericaCorporationMember" name="KMGAmericaCorporationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_KindredAtHomeMember" name="KindredAtHomeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseCumulativeNumberOfReportedClaims" name="LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseCumulativeNumberOfReportedClaims" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_LineOfCreditFacilityMaximumBorrowingCapacityIncludingUncommittedIncrementalCapacity" name="LineOfCreditFacilityMaximumBorrowingCapacityIncludingUncommittedIncrementalCapacity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hum_LineOfCreditFacilityUncommittedIncrementalCapacity" name="LineOfCreditFacilityUncommittedIncrementalCapacity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <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_MCCIHoldingsLLCMember" name="MCCIHoldingsLLCMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <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_MaximumDeductibilityOfAnnualCompensationPerEmployeeAsMandatedByHealthReforms" name="MaximumDeductibilityOfAnnualCompensationPerEmployeeAsMandatedByHealthReforms" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hum_MaximumIndividualStateGeneralBondObligationAsPercentageOfTotalDebtSecurities" name="MaximumIndividualStateGeneralBondObligationAsPercentageOfTotalDebtSecurities" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_MeasurementInputNetOperatingProfitAfterTaxMember" name="MeasurementInputNetOperatingProfitAfterTaxMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_MeasurementInputSecuredCreditRateMember" name="MeasurementInputSecuredCreditRateMember" 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 id="hum_MergerBreakupFeeReceived" name="MergerBreakupFeeReceived" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hum_MergerTerminationFeeAndRelatedCostsNet" name="MergerTerminationFeeAndRelatedCostsNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" 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_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_NetAssetLiability" name="NetAssetLiability" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" 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 abstract="true" id="hum_NetLeaseCommitmentsAbstract" name="NetLeaseCommitmentsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_NetNoncurrentAssetLiability" name="NetNoncurrentAssetLiability" 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_NoncompetesAndOtherMember" name="NoncompetesAndOtherMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_NotesPayableToBanksAndCommercialPaperMember" name="NotesPayableToBanksAndCommercialPaperMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_November2018AcceleratedShareRepurchaseProgramMember" name="November2018AcceleratedShareRepurchaseProgramMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" 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_NumberOfSharesOfOurCommonStockReservedForIssuanceUnderOurDefinedContributionRetirementSavingsPlans" name="NumberOfSharesOfOurCommonStockReservedForIssuanceUnderOurDefinedContributionRetirementSavingsPlans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="hum_NumberOfStatesComprisingTRICAREBeneficiaries" name="NumberOfStatesComprisingTRICAREBeneficiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="hum_NumberOfTRICAREBeneficiaries" name="NumberOfTRICAREBeneficiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" 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_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentIncludingEquityMethodInvestments" name="OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentIncludingEquityMethodInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" 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_PaymentOfAnnualHealthInsuranceIndustryFee" name="PaymentOfAnnualHealthInsuranceIndustryFee" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" 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_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_PercentageOfRiskScoreCalculatedFromClaimsSubmittedThroughEDS" name="PercentageOfRiskScoreCalculatedFromClaimsSubmittedThroughEDS" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_PercentageOfTotalDebtSecuritiesInvestmentGradeQuality" name="PercentageOfTotalDebtSecuritiesInvestmentGradeQuality" 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 abstract="true" id="hum_PharmacyMember" name="PharmacyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_ProceedsFromStockOptionsExercisedAndOther" name="ProceedsFromStockOptionsExercisedAndOther" 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 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_ReinsuranceTable" name="ReinsuranceTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_ReportingUnitCarryingValue" name="ReportingUnitCarryingValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hum_ReportingUnitFairValue" name="ReportingUnitFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="hum_RevenuesIntersegment" name="RevenuesIntersegment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hum_RevenuesPremiumsAndServiceExternal" name="RevenuesPremiumsAndServiceExternal" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" 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 id="hum_ScheduleOfDividendsDeclaredAndPaidTableTableTextBlock" name="ScheduleOfDividendsDeclaredAndPaidTableTableTextBlock" 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_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_SpecialtyMember" name="SpecialtyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_StatutoryCapitalTransferredUponDisposal" name="StatutoryCapitalTransferredUponDisposal" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hum_StockIssuedDuringPeriodSharesNewIssuesCommonSharesForExerciseOfStockOptions" name="StockIssuedDuringPeriodSharesNewIssuesCommonSharesForExerciseOfStockOptions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_StockOptionValuationNumberofHomogeneousEmployeeGroups" name="StockOptionValuationNumberofHomogeneousEmployeeGroups" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmountExpiredUponReplacement" name="StockRepurchaseProgramRemainingAuthorizedRepurchaseAmountExpiredUponReplacement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hum_StrategicPartnershipAgreementExpectedNumberOfPayorAgnosticSeniorFocusedPrimaryCareCenters" name="StrategicPartnershipAgreementExpectedNumberOfPayorAgnosticSeniorFocusedPrimaryCareCenters" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_StrategicPartnershipAgreementExpectedTimeframeForOpeningPrimaryCareCenters" name="StrategicPartnershipAgreementExpectedTimeframeForOpeningPrimaryCareCenters" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_StrategicPartnershipAgreementTimeframeForPutAndCallOptionActivityMaximum" name="StrategicPartnershipAgreementTimeframeForPutAndCallOptionActivityMaximum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_StrategicPartnershipAgreementTimeframeForPutAndCallOptionActivityMinimum" name="StrategicPartnershipAgreementTimeframeForPutAndCallOptionActivityMinimum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_StrategicPartnershipAgreementValueOfPartnershipEntity" name="StrategicPartnershipAgreementValueOfPartnershipEntity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <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_TaxCutsAndJobsActof2017IncompleteAccountingTransitionTaxForAccumulatedForeignEarningsProvisionalIncomeTaxExpenseBenefit" name="TaxCutsAndJobsActof2017IncompleteAccountingTransitionTaxForAccumulatedForeignEarningsProvisionalIncomeTaxExpenseBenefit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_TermLoanAgreementFebruary2020Member" name="TermLoanAgreementFebruary2020Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_TermNoteNovember2018Member" name="TermNoteNovember2018Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_TreasuryStockDecreaseInCapitalInExcessOfParValue" name="TreasuryStockDecreaseInCapitalInExcessOfParValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_TricareEastRegionContractMember" name="TricareEastRegionContractMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_TricareSouthRegionContractMember" name="TricareSouthRegionContractMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" 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_UnsecuredRevolvingCreditAgreementExpiresMay2022Member" name="UnsecuredRevolvingCreditAgreementExpiresMay2022Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hum_ValuationAllowancesAndReservesChargedOrCreditedToCostAndExpense" name="ValuationAllowancesAndReservesChargedOrCreditedToCostAndExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hum_ValuationAllowancesAndReservesChargedOrCreditedToOtherAccounts" name="ValuationAllowancesAndReservesChargedOrCreditedToOtherAccounts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hum_WelshCarsonAndersonAndStoweMember" name="WelshCarsonAndersonAndStoweMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>
