UNITED STATES SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 4
STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP
( ) Check this box if no longer subject to Section 16.
Form 4 or Form 5 obligations may continue. See Instructions 1(b).
1. Name and Address of Reporting Person
   Jones, David A.
   500 W. Main St.
   Louisville, KY  40202
2. Issuer Name and Ticker or Trading Symbol
   Humana Inc.
   HUM
3. IRS or Social Security Number of Reporting Person (Voluntary)

4. Statement for Month/Year
   November 5, 2002
5. If Amendment, Date of Original (Month/Year)

6. Relationship of Reporting Person(s) to Issuer (Check all applicable)
   (X) Director ( ) 10% Owner ( ) Officer (give title below) ( ) Other
   (specify below)
   Chairman of the Board
7. Individual or Joint/Group Filing (Check Applicable Line)
   (X) Form filed by One Reporting Person
   ( ) Form filed by More than One Reporting Person


___________________________________________________________________________________________________________________________________
 Table I -- Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned                                                 |
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1. Title of Security       |2.    |3.    |4.Securities Acquired (A)         |5.Amount of        |6.Dir |7.Nature of Indirect       |
                           | Transaction |  or Disposed of (D)              |  Securities       |ect   |  Beneficial Ownership     |
                           |      |      |                                  |  Beneficially     |(D)or |                           |
                           |      |    | |                  | A/|           |  Owned at         |Indir |                           |
                           | Date |Code|V|    Amount        | D |    Price  |  End of Month     |ect(I)|                           |
___________________________________________________________________________________________________________________________________|
                                                                            
Common (1)                 |      |    | |                  |   |           |610,140            |I     |FLP(2)                     |
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Common (1)                 |      |    | |                  |   |           |152,808            |I     |FLP-96(3)                  |
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Common (1)                 |      |    | |                  |   |           |30,000             |I     |Wife                       |
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Common (1)                 |      |    | |                  |   |           |4,151,445          |I     |DAJ-RT(8)                  |
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Common (1)                 |      |    | |                  |   |           |1,385              |I     |BJ-RT(9)                   |
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Common (1)                 |      |    | |                  |   |           |719,028            |I     |JIL(6)                     |
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Common (1)                 |11/5/0|G   |V|5,000             |D  |           |1,454,532          |D     |                           |
                           |2     |    | |                  |   |           |                   |      |                           |
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Common (1)                 |      |    | |                  |   |           |1,000,000          |I     |DBJI(11)                   |
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___________________________________________________________________________________________________________________________________|

___________________________________________________________________________________________________________________________________
 Table II -- Derivative Securitites Acquired, Disposed of, or Beneficially Owned                                                   |
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1.Title of Derivative |2.Con-  |3.   |4.    |5.Number of De |6.Date Exer|7.Title and Amount  |8.Price|9.Number    |10.|11.Nature of|
  Security            |version |Transaction | rivative Secu |cisable and|  of Underlying     |of Deri|of Deriva   |Dir|Indirect    |
                      |or Exer |     |      | rities Acqui  |Expiration |  Securities        |vative |tive        |ect|Beneficial  |
                      |cise    |     |      | red(A) or Dis |Date(Month/|                    |Secu   |Securities  |(D)|Ownership   |
                      |Price of|     |      | posed of(D)   |Day/Year)  |                    |rity   |Benefi      |or |            |
                      |Deriva- |     |      |               |Date |Expir|                    |       |ficially    |Ind|            |
                      |tive    |     |      |           | A/|Exer-|ation|   Title and Number |       |Owned at    |ire|            |
                      |Secu-   |     |    | |           | D |cisa-|Date |   of Shares        |       |End of      |ct |            |
                      |rity    |Date |Code|V|  Amount   |   |ble  |     |                    |       |Month       |(I)|            |
___________________________________________________________________________________________________________________________________|
                                                                            
Option(4)             |21.25   |     |    | |           |   |1/2/9|1/2/0|Common(1)   |5,000  |       |5,000       |D  |            |
                      |        |     |    | |           |   |9    |8    |            |       |       |            |   |            |
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Option(4)             |18.7813 |     |    | |           |   |1/4/0|1/4/0|Common(1)   |5,000  |       |5,000       |D  |            |
                      |        |     |    | |           |   |0    |9    |            |       |       |            |   |            |
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Option(4)             |7.875   |     |    | |           |   |1/3/0|1/3/1|Common(1)   |5,000  |       |5,000       |D  |            |
                      |        |     |    | |           |   |1    |0    |            |       |       |            |   |            |
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Option(4)             |14.7813 |     |    | |           |   |1/2/0|1/2/1|Common (1)  |3,887  |       |3,887       |D  |            |
                      |        |     |    | |           |   |2    |1    |            |       |       |            |   |            |
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Option(5)             |14.7813 |     |    | |           |   |1/2/0|1/2/1|Common (1)  |1,113  |       |1,113       |D  |            |
                      |        |     |    | |           |   |2    |1    |            |       |       |            |   |            |
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Forward Sale Contract |(7)     |     |    | |           |   |3/22/|3/22/|Common (1)  |451,700|       |(7)         |D  |            |
(7)                   |        |     |    | |           |   |04   |04   |            |       |       |            |   |            |
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Option(5)             |11.235  |     |    | |           |   |10/10|10/10|Common (1)  |83,334 |       |83,334      |D  |            |
                      |        |     |    | |           |   |/02  |/11  |            |       |       |            |   |            |
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Option(5)             |11.235  |     |    | |           |   |10/10|10/10|Common (1)  |83,333 |       |83,333      |D  |            |
                      |        |     |    | |           |   |/03  |/11  |            |       |       |            |   |            |
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Option(5)             |11.235  |     |    | |           |   |10/10|10/10|Common (1)  |83,333 |       |83,333      |D  |            |
                      |        |     |    | |           |   |/04  |/11  |            |       |       |            |   |            |
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Option(5)             |11.55   |     |    | |           |   |1/2/0|1/2/1|Common (1)  |5,000  |       |5,000       |D  |            |
                      |        |     |    | |           |   |3    |2    |            |       |       |            |   |            |
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                      |        |     |    | |           |   |     |     |            |       |       |            |   |            |
___________________________________________________________________________________________________________________________________|

Explanation of Responses:
(1)  Each share of Common Stock contains a Right adopted on March 5, 1987,
pursuant to the Company Rights
Agreement, as amended and restated on February 14, 1996, and amended as of May
27, 1998 and March 1,
1999, which entitles holders of the Company's Common Stock, in the  event
certain specified events occur, to
acquire 1/100 of a share of Series A Participating Preferred Stock at a price
of $145 per fractional share.
(2)  Shares held by Family Limited Partnership ("FLP") of which my wife and I
are General Partners and Trusts
established by each of us are Limited Partners, together with a Family
Charitable Foundation.  I disclaim beneficial
ownership of Company stock held by the FLP except to the extent of my pecuniary
interest.
(3)  Shares held by 96 A/J Family Limited Partnership ("FLP-96") of which my
wife and I are General Partners, and
together with a Family Charitable Foundation are Limited Partners.  I disclaim
beneficial ownership of Company
stock held by the FLP-96 except to the extent of my pecuniary
interest.
(4)  Right to buy pursuant to Company's 1989 Stock Option Plan for Non-Employee
Directors.
(5)  Right to buy pursuant to Company's 1996 Incentive Stock Option
Plan.
(6)  Shares held by Jones Investments, Ltd. ("JIL"), a partnership of which
DBJ, LLC is the General Partner.  My
wife and I are the members of DBJ, LLC.  I disclaim beneficial ownership of
Company stock held by JIL except to
the extent of my pecuniary
interest.
(7)  On March 22, 2001, Mr. Jones entered into a forward sale agreement (the
"Forward Agreement") relating to
up to 451,700 shares (the "Base Amount") of Common Stock.  In connection with
the Forward Agreement,
between March 14, 2001 and March 22, 2001, the counterparty sold 451,700 shares
of Common Stock into the
public market in accordance with paragraphs (f) and (g) of Rule 144 under the
Securities Act of 1933, as
amended, at an average price of $11.32 per share. The Forward Agreement
provides that three business days
after March 22, 2004 Mr. Jones will deliver a number of shares of Common Stock
(or, at the election of Mr. Jones,
the cash equivalent of such shares) based on the following:   (a) if the
closing price of the Common Stock on
March 22, 2004 (the "Final Price") is less than $11.32 per share, Mr. Jones
will deliver 451,700 shares; (b)  if the
Final Price is equal to or greater than $11.32  per share (the "Floor Price")
but less than or equal to $13.92 per
share (the "Cap Price"), Mr. Jones will deliver a number of shares equal to
Floor Price/Final price x 451,700; and
(c) if the Final price is greater than the Cap Price, Mr. Jones will deliver a
number of shares equal to Floor Price +
(Final Price - Cap Price)/Final Price x 451,700.  In consideration therefor,
Mr. Jones has received a price of
$4,381,490.00.
(8)  Shares held by David A. Jones Revocable Trust (DAJ-RT) of which I am
Settlor and Trustee.  I disclaim
beneficial ownership of Company stock held by the DAJ-RT except to the extent
of my pecuniary interest.
(9)  Shares held by Betty A. Jones Revocable Trust (BJ-RT) of which she is
Settlor and Trustee.  I disclaim
beneficial ownership of Company stock held by the BJ-RT except to the extent of
my pecuniary interest.
(10) On March 4, 2002, Mr. Jones entered into Section 10b5-1 Trading Plans.
Mr. Jones,  through one of the
brokers will sell up to Eighty Thousand (80,000) shares per month. The brokers
will alternate months with Merrill
Lynch, Pierce, Fenner & Smith beginning in March 2002, and UBS PaineWebber Inc.
beginning in April 2002. The
Trading Plans cover up to an aggregate of Nine Hundred Sixty Thousand (960,000)
shares of Humana Inc.
common stock.  The 10b5-1 Trading Plans are scheduled to terminate no later
than February 28, 2003 subject to
earlier termination per the provisions as set out in the Trading
Plans.
(11)  Shares held by DBJ Investments, Ltd. ("DBJI"), a limited partnership of
which I am a limited partner and DBJ,
LLC is the General Partner.  My wife and I are the members of DBJ, LLC.  I
disclaim beneficial ownership of
Company stock held by DBJI except to the extent of my pecuniary
interest.