{"id":955761,"date":"2026-04-29T06:04:35","date_gmt":"2026-04-29T10:04:35","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/humana-reports-first-quarter-2026-financial-results-affirms-full-year-2026-adjusted-financial-guidance\/"},"modified":"2026-04-29T06:04:35","modified_gmt":"2026-04-29T10:04:35","slug":"humana-reports-first-quarter-2026-financial-results-affirms-full-year-2026-adjusted-financial-guidance","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/humana-reports-first-quarter-2026-financial-results-affirms-full-year-2026-adjusted-financial-guidance\/","title":{"rendered":"Humana Reports First Quarter 2026 Financial Results; Affirms Full Year 2026 Adjusted Financial Guidance"},"content":{"rendered":"<p>        <!--.bwalignc { text-align: center; list-style-position: inside }\n.bwalignl { text-align: left }\n.bwalignr { text-align: right; list-style-position: inside }\n.bwblockalignc { margin-left: auto; margin-right: auto }\n.bwblockalignl { margin-left: 0px; margin-right: auto }\n.bwcellpmargin { margin-bottom: 0px; margin-top: 0px }\n.bwleftsingle { border-left: solid black 1pt }\n.bwlistcircle { list-style-type: circle }\n.bwlistdisc { list-style-type: disc }\n.bwpadb3 { padding-bottom: 4px }\n.bwpadl0 { padding-left: 0px }\n.bwpadr0 { padding-right: 0px }\n.bwrightsingle { border-right: solid black 1pt }\n.bwrowaltcolor0 { background-color: #cceeff }\n.bwsinglebottom { border-bottom: solid black 1pt }\n.bwtablemarginb { margin-bottom: 10px }\n.bwtopsingle { border-top: solid black 1pt }\n.bwuline { text-decoration: underline }\n.bwvertalignb { vertical-align: bottom }\n.bwvertalignt { vertical-align: top }\n.bwwidth10 { width: 10% }\n.bwwidth100 { width: 100% }\n.bwwidth12 { width: 12% }\n.bwwidth16 { width: 16% }\n.bwwidth2 { width: 2% }\n.bwwidth60 { width: 60% }\n.bwwidth68 { width: 68% }\n.bwwidth72 { width: 72% }\n.bwwidth76 { width: 76% }body {font:normal small Arial,Helvetica,sans-serif;color:#000;background-color:#fff;padding:24px;margin:0;} a img {border:0;} h3 {font-size:medium;color:#000;margin:0 0 1em 0; text-align:center;}-->  <\/p>\n<p class=\"bwalignc\"><b>Humana Reports First Quarter 2026 Financial Results; Affirms Full Year 2026 Adjusted Financial Guidance<\/b><\/p>\n<ul class=\"bwlistdisc\">\n<li>\nReports 1Q26 earnings per share (EPS) of $9.83 on a GAAP basis, Adjusted EPS of $10.31; at the high end of the company&#8217;s guidance of approximately 110 percent to 115 percent of full year (FY) 2026 Adjusted EPS<\/p>\n<\/li>\n<li>\n1Q26 Insurance segment GAAP benefit ratio of 89.4 percent, slightly favorable to management&#8217;s guidance of &#8216;just under 90 percent&#8217;; affirms FY 2026 Insurance segment benefit ratio guidance of 92.75 percent, plus or minus 25 basis points<\/p>\n<\/li>\n<li>\nAffirms Adjusted FY 2026 GAAP EPS guidance of &#8216;at least $9.00&#8217;; while revising GAAP EPS guidance to &#8216;at least $8.36&#8217; from the previous estimate of &#8216;at least $8.89&#8217;<\/p>\n<\/li>\n<li>\nAffirms FY 2026 individual Medicare Advantage (MA) membership growth of &#8216;approximately 25 percent&#8217; over 2025; driven by new sales and improved retention from the company&#8217;s customer-led benefit strategy and changes to its customer service approach<\/p>\n<\/li>\n<li>\nContinued execution of strategic growth initiatives and integration of new contracts within CenterWell and state-based contracts businesses, respectively, to expand the company&#8217;s national footprint<\/p>\n<ul class=\"bwlistcircle\">\n<li>\nSequential growth of 110,500 patients, or over 22 percent, in CenterWell Senior Primary Care, including approximately 59,000 patients and 54 centers associated with the recently completed acquisition of MaxHealth<\/p>\n<\/li>\n<li>\nCenterWell Pharmacy and Cost Plus partnering to develop new, end-to-end employer prescription drug solutions<\/p>\n<\/li>\n<li>\n1Q26 state-based contracts membership growth of approximately 50,000, driven by the start of programs in Michigan, Illinois, and South Carolina<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li>\nPublishes prepared management remarks to Investor Relations page of <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.humana.com&amp;esheet=54524941&amp;newsitemid=20260429489812&amp;lan=en-US&amp;anchor=www.humana.com&amp;index=1&amp;md5=79481dbb9b3c16e1d6eacff3c8864e71\">www.humana.com<\/a> ahead of this morning&#8217;s 8:00 a.m. ET question and answer session to discuss its financial results for the quarter and expectations for future earnings<\/p>\n<\/li>\n<\/ul>\n<p>LOUISVILLE, Ky.&#8211;(<a href=\"http:\/\/www.businesswire.com\">BUSINESS WIRE<\/a>)&#8211;<br \/>\nHumana Inc. (NYSE: HUM) today reported consolidated pretax results and diluted earnings per share (EPS) for the quarter ended March 31, 2026 (1Q26) versus the quarter ended March 31, 2025 (1Q25) as noted in the tables below.<\/p>\n<table cellspacing=\"0\" class=\"bwtablemarginb bwblockalignl bwwidth100\">\n<tr>\n<td class=\"bwvertalignb bwtopsingle bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwwidth76\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>Consolidated income before income taxes and equity in net losses (pretax results)<\/b><\/p>\n<p class=\"bwcellpmargin\"><i>in millions<\/i><\/p>\n<\/td>\n<td class=\"bwvertalignb bwtopsingle bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0\" colspan=\"2\" rowspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>1Q26 (a)<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwtopsingle bwsinglebottom bwleftsingle bwrightsingle bwrowaltcolor0 bwpadl0 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>1Q25 (a)<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwpadl0 bwwidth76\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>Generally Accepted Accounting Principles (GAAP)<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth10\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>$1,595<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n$1,691<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwwidth76\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAmortization associated with identifiable intangibles<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth10\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>11<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrightsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n15<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwpadl0 bwwidth76\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nPut\/call valuation adjustments associated with company&#8217;s non-consolidating minority interest investments<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth10\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>(34<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\"><b>)<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n163<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwwidth76\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nValue creation initiatives<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth10\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>98<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrightsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n24<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwwidth76\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>Adjusted (non-GAAP)<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth10\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>$1,670<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwpadr0 bwpadb3 bwalignr bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n$1,893<\/p>\n<\/td>\n<\/tr>\n<\/table>\n<table cellspacing=\"0\" class=\"bwtablemarginb bwblockalignl bwwidth100\">\n<tr>\n<td class=\"bwvertalignb bwtopsingle bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwwidth76\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>Diluted earnings per share (EPS)<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwtopsingle bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0\" colspan=\"2\" rowspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>1Q26 (a)<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwtopsingle bwsinglebottom bwleftsingle bwrightsingle bwrowaltcolor0 bwpadl0\" colspan=\"2\" rowspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>1Q25 (a)<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwpadl0 bwwidth76\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>GAAP<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth10\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>$9.83<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth10\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n$10.30<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwwidth76\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAmortization associated with identifiable intangibles<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth10\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>0.09<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth10\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n0.12<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwwidth76\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nPut\/call valuation adjustments associated with company&#8217;s non-consolidating minority interest investments<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth10\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>(0.28<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\"><b>)<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth10\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n1.35<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwwidth76\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nValue creation initiatives<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth10\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>0.81<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth10\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n0.20<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwwidth76\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nTax impact of non-GAAP adjustments<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth10\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>(0.14<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\"><b>)<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth10\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n(0.39<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n)<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwwidth76\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>Adjusted (non-GAAP)<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth10\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>$10.31<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth10\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n$11.58<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwpadl0\" colspan=\"5\" rowspan=\"1\">\n<p class=\"bwcellpmargin\"><i>Refer to the &#8220;Footnotes&#8221; section included herein for further explanation of disclosures for Adjusted (non-GAAP) financial measures, as well as reconciliations.<\/i><\/p>\n<\/td>\n<\/tr>\n<\/table>\n<p>\nPlease refer to the tables above, as well as the consolidated and segment highlight sections in the detailed earnings release for additional discussion of the factors impacting the year-over-year comparisons.<\/p>\n<p>\n\u201cWe\u2019ve had a solid start to the year and feel good about how our operating execution and transformation initiatives are setting us up for the future,\u201d said Humana President and CEO Jim Rechtin. \u201cWe continue to make progress where it counts for customers &#8211; quality experience and outstanding care.\u201d<\/p>\n<p><i><b><span class=\"bwuline\">Insurance Leadership Transition Update (Announced December 2025)<\/span><\/b><\/i><\/p>\n<p>\nThe company today confirmed that George Renaudin, Insurance Segment President, will retire effective June 29, 2026, consistent with the timeline previously communicated. Until that date, Renaudin will focus primarily on the annual Medicare Advantage bid process, while Aaron Martin, currently President of Medicare Advantage, will begin leading the day-to-day management of the Insurance Segment. Upon Renaudin\u2019s retirement, Martin will formally assume the role of Insurance Segment President and Renaudin will serve as a strategic advisor to the company through at least the end of 2026. The company also confirmed that 30-year industry veteran John Barger will begin leading Medicare Advantage operations effective immediately and will formally assume the role of President of Medicare Advantage upon Renaudin\u2019s retirement.<\/p>\n<p><i><b><span class=\"bwuline\">FY 2026 Earnings Guidance<\/span><\/b><\/i><\/p>\n<p>\nHumana revises its GAAP EPS guidance for the year ending December 31, 2026 (FY 2026) to &#8216;at least $8.36&#8217; from &#8216;at least $8.89&#8217;, while affirming its Adjusted EPS guidance of &#8216;at least $9.00&#8217;. The FY 2026 Adjusted EPS guidance anticipates a year-over-year decline as a result of the Star Ratings headwind for Bonus Year (BY) 2026, net of mitigation.<\/p>\n<table cellspacing=\"0\" class=\"bwtablemarginb bwblockalignl bwwidth100\">\n<tr>\n<td class=\"bwvertalignb bwtopsingle bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwwidth72\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\n\u00a0<\/p>\n<p class=\"bwcellpmargin\"><b>Diluted earnings per share (a)<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwtopsingle bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0\" colspan=\"2\" rowspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>FY 2026<\/b><\/p>\n<p class=\"bwalignc bwcellpmargin\"><b>Guidance<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwtopsingle bwsinglebottom bwleftsingle bwrightsingle bwrowaltcolor0 bwpadl0\" colspan=\"2\" rowspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>FY 2025<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwwidth72\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>GAAP<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0\" colspan=\"2\" rowspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\"><b>at least $8.36<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n$9.84<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwwidth72\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAmortization associated with identifiable intangibles<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>0.30<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n0.42<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwwidth72\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nPut\/call valuation adjustments associated with the company&#8217;s non-consolidating minority interest investments (b)<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>(0.28<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\"><b>)<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n4.25<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwwidth72\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nValue creation initiatives (b)<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>0.81<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n3.72<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwwidth72\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nImpact of exit of employer group commercial medical products business (b)<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>\u2014<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n(0.52<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n)<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwwidth72\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nSettlement of certain litigation expenses (b)<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>\u2014<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n0.13<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwwidth72\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nLoss on sale of business (b)<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>\u2014<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n0.55<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwwidth72\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nImpairment charges (b)<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>\u2014<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n2.09<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwwidth72\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nCumulative net tax impact<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>(0.19<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\"><b>)<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n(3.34<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n)<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwwidth72\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>Adjusted (non-GAAP) \u2013 FY 2026 projected (b); FY 2025 reported<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0\" colspan=\"2\" rowspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\"><b>at least $9.00<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n$17.14<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwpadl0\" colspan=\"5\" rowspan=\"1\">\n<p class=\"bwcellpmargin\"><i>Refer to the &#8220;Footnotes&#8221; section included herein for further explanation of disclosures for Adjusted (non-GAAP) financial measures, as well as additional reconciliations.<\/i><\/p>\n<\/td>\n<\/tr>\n<\/table>\n<p><i><b><span class=\"bwuline\">Detailed Press Release<\/span><\/b><\/i><\/p>\n<p>\nHumana\u2019s full earnings press release, including the statistical pages, has been posted to the company\u2019s Investor Relations site and may be accessed at <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fhumana.gcs-web.com%2F&amp;esheet=54524941&amp;newsitemid=20260429489812&amp;lan=en-US&amp;anchor=https%3A%2F%2Fhumana.gcs-web.com%2F&amp;index=2&amp;md5=0f6c83b5c3ca53d1ba6fb801fdb6c7f1\">https:\/\/humana.gcs-web.com\/<\/a> or via a current report on Form 8-K filed by the company with the Securities and Exchange Commission this morning (available at <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.sec.gov&amp;esheet=54524941&amp;newsitemid=20260429489812&amp;lan=en-US&amp;anchor=www.sec.gov&amp;index=3&amp;md5=198ddf0ef5f1929126ccca6e6a5a3d4b\">www.sec.gov<\/a> or on the company\u2019s website).<\/p>\n<p><i><b><span class=\"bwuline\">Conference Call<\/span><\/b><\/i><\/p>\n<p>\nHumana will host a live question-and-answer session for analysts at 8:00 a.m. Eastern time today to discuss its financial results for the quarter and the company\u2019s expectations for future earnings. In advance of the question-and-answer session, Humana will post prepared management remarks to the Quarterly Results section of its Investor Relations page (<a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fhumana.gcs-web.com%2Ffinancial-information%2Fquarterly-results&amp;esheet=54524941&amp;newsitemid=20260429489812&amp;lan=en-US&amp;anchor=https%3A%2F%2Fhumana.gcs-web.com%2Ffinancial-information%2Fquarterly-results&amp;index=4&amp;md5=245ce93f56bb6bc5d3bb64aa5c775e85\">https:\/\/humana.gcs-web.com\/financial-information\/quarterly-results<\/a>).<\/p>\n<p>\nA webcast of the 1Q26 earnings call may be accessed via Humana\u2019s Investor Relations page at <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fhumana.gcs-web.com%2F&amp;esheet=54524941&amp;newsitemid=20260429489812&amp;lan=en-US&amp;anchor=https%3A%2F%2Fhumana.gcs-web.com%2F&amp;index=5&amp;md5=1a95b496f5930df0063481132e61b3bf\">https:\/\/humana.gcs-web.com\/<\/a>.<\/p>\n<p>\nIf you anticipate asking a question during the question-and-answer session, please register in advance at this link &#8211; <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fregister-conf.media-server.com%2Fregister%2FBId1413c4c078343e28841e18c372f7b58&amp;esheet=54524941&amp;newsitemid=20260429489812&amp;lan=en-US&amp;anchor=https%3A%2F%2Fregister-conf.media-server.com%2Fregister%2FBId1413c4c078343e28841e18c372f7b58&amp;index=6&amp;md5=8e6efaaff921361f05974524dcb11cb1\">https:\/\/register-conf.media-server.com\/register\/BId1413c4c078343e28841e18c372f7b58<\/a>.<\/p>\n<p>\nUpon registration, telephone participants will receive a confirmation email detailing how to join the conference call, including the dial-in number and a unique registrant ID.<\/p>\n<p>\nThe company suggests participants listening via the web or the conference call sign in or dial in at least 15 minutes in advance of the call. For those unable to participate in the live event, the virtual presentation archive will be available in the Historical Webcasts and Presentations section of the Investor Relations page at <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fhumana.gcs-web.com%2F&amp;esheet=54524941&amp;newsitemid=20260429489812&amp;lan=en-US&amp;anchor=https%3A%2F%2Fhumana.gcs-web.com%2F&amp;index=7&amp;md5=1709c12f3f59167da03a69463ac5e6f1\">https:\/\/humana.gcs-web.com\/<\/a>, approximately two hours following the live webcast.<\/p>\n<p><i><b><span class=\"bwuline\">Footnotes<\/span><\/b><\/i><\/p>\n<p>\nThe company has included financial measures throughout this earnings release that are not in accordance with GAAP. Management believes that these measures, when presented in conjunction with the corresponding GAAP measures, provide a comprehensive perspective to more accurately compare and analyze the company\u2019s core operating performance over time. Consequently, management uses these non-GAAP (Adjusted) financial measures as consistent indicators of the company\u2019s core business operations from period to period, as well as for planning and decision-making purposes and in determination of incentive compensation. Non-GAAP (Adjusted) financial measures should be considered in addition to, but not as a substitute for, or superior to, financial measures prepared in accordance with GAAP. The company\u2019s non-GAAP measures are not intended to normalize earnings, eliminate volatility, or represent future performance. Non-GAAP measures are subject to inherent limitations and may differ from similarly titled measures used by other companies. All financial measures in this earnings release are in accordance with GAAP unless otherwise indicated. Please refer to the footnotes for a detailed description of each item adjusted out of GAAP financial measures to arrive at non-GAAP (Adjusted) financial measures.<\/p>\n<p>\n(a) For the periods covered in this earnings release, the following items are excluded from the non-GAAP financial measures described above, as applicable.<\/p>\n<ul class=\"bwlistdisc\">\n<li><b>Amortization associated with identifiable intangibles &#8211;<\/b> Since amortization varies based on the size and timing of acquisition activity, management believes the exclusion of this non-cash expense provides a more consistent and uniform indicator of performance from period to period. For all periods shown within this earnings release, GAAP measures affected include consolidated pretax results, EPS, and Insurance and CenterWell segments&#8217; income from operations. The table below discloses respective period amortization expense for each segment:\n<\/li>\n<\/ul>\n<table cellspacing=\"0\" class=\"bwtablemarginb bwblockalignc bwwidth60\">\n<tr>\n<td class=\"bwvertalignb bwtopsingle bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwwidth68\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>Amortization<\/b><\/p>\n<p class=\"bwcellpmargin bwalignl\"><i>(in millions)<\/i><\/p>\n<\/td>\n<td class=\"bwvertalignb bwtopsingle bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignc bwwidth16\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\"><b>1Q26<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwtopsingle bwsinglebottom bwleftsingle bwrightsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwalignc bwwidth16\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\"><b>1Q25<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwwidth68\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\nInsurance segment<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwalignc bwwidth16\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\"><b>$4<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwpadr0 bwpadb3 bwalignc bwwidth16\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n$4<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwwidth68\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\nCenterWell segment<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwalignc bwwidth16\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\"><b>$7<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwpadr0 bwpadb3 bwalignc bwwidth16\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n$11<\/p>\n<\/td>\n<\/tr>\n<\/table>\n<ul class=\"bwlistdisc\">\n<li><b>Put\/call valuation adjustments associated with the company\u2019s non-consolidating minority interest investments &#8211; <\/b>These non-cash amounts are the result of fair value measurements associated with the company&#8217;s primary care strategic partnership and are unrelated to the company&#8217;s core business performance. For all periods shown within this earnings release, GAAP measures affected include consolidated pretax results and EPS.\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li><b>Value creation initiatives &#8211; <\/b>These charges relate to the company&#8217;s multi-year transformation program, as approved by management with defined scope and milestones. The intent of the program is to re-align the company\u2019s cost structure, operating model, and technology footprint with evolving market conditions. These costs primarily include severance and associate exit costs, asset impairments, and external consulting expenses incurred to execute the program. These charges were recorded at the corporate level and not allocated to the segments. The company has consistently applied this adjustment across all periods. For all periods shown within this earnings release, GAAP measures affected in this release include consolidated pretax results, EPS, and the consolidated operating cost ratio.\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li><b>Cumulative net tax impact &#8211; <\/b>This adjustment represents the cumulative net impact of the corresponding tax benefit or expense at the applicable marginal rate related to the aforementioned items excluded from the applicable GAAP measures. For FY 2025, the tax adjustment reflects the impact of the loss on sale of business, which exceeded the book loss. The related tax benefit from the loss on sale of business is realizable via capital loss carryback. The tax impact of the aforementioned items differs from the statutory rates due to jurisdictional mix, limitations on deductibility, and other factors. The cumulative tax impact is not intended to represent a normalized effective tax rate or expected future tax outcomes. For all periods presented in this earnings release, EPS is the sole GAAP measure affected.\n<\/li>\n<\/ul>\n<p>\nThe following adjustments impact only the FY 2025 GAAP EPS shown within this release on page 2.<\/p>\n<ul class=\"bwlistdisc\">\n<li><b>Impact of exit of employer group commercial medical products business &#8211; <\/b>These amounts relate to activity from the exit of the employer group commercial medical products business as announced by Humana on February 23, 2023.\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li><b>Settlement of certain litigation expenses &#8211;<\/b> These charges<b \/>relate to expenses the company recognized in connection with a discrete legal matter. The nature and magnitude of this settlement are not indicative of the company\u2019s ongoing operations.\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li><b>Loss on sale of business &#8211; <\/b>This discrete disposition is not part of the company&#8217;s ordinary course operations and the impacts recognized from the disposal do not reflect core operational performance. The loss primarily reflects the difference between the carrying value and proceeds at the time of sale.\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li><b>Impairment charges<\/b><b>&#8211;<\/b> The company recognized non-cash impairment charges related to certain indefinite-lived intangible assets based on the company&#8217;s estimate of future financial performance in certain state markets. Additionally, the company recognized non-cash impairment charges in the fourth quarter of 2025 related to a discrete joint-venture investment for which the company held minority ownership interests that were deemed to be unrecoverable based on recent market activity. These charges were recorded at the corporate level and not allocated to the segments.\n<\/li>\n<\/ul>\n<p>\nIn addition to the reconciliations shown on page 2 of this release, the following are reconciliations of GAAP to Adjusted (non-GAAP) measures described above and disclosed within this earnings release:<\/p>\n<p><b><i><span class=\"bwuline\">Operating cost ratio<\/span><\/i><\/b><\/p>\n<table cellspacing=\"0\" class=\"bwtablemarginb bwblockalignl bwwidth100\">\n<tr>\n<td class=\"bwvertalignb bwtopsingle bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwwidth72\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>CONSOLIDATED<\/b><\/p>\n<p class=\"bwcellpmargin\"><b>Operating cost ratio<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwtopsingle bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\"><b>1Q26<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwtopsingle bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<td class=\"bwvertalignb bwtopsingle bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\"><b>1Q25<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwtopsingle bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n\u00a0<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwwidth72\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>GAAP<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>10.2<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\"><b>%<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n10.6<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwwidth72\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nValue creation initiatives<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>(0.2<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\"><b>)%<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n(0.1<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n)%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwwidth72\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>Adjusted (non-GAAP)<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>10.0<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\"><b>%<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n10.5<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwpadb3 bwwidth2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignl\">\n%<\/p>\n<\/td>\n<\/tr>\n<\/table>\n<p><b><i><span class=\"bwuline\">Insurance Segment &#8211; Income from operations<\/span><\/i><\/b><\/p>\n<table cellspacing=\"0\" class=\"bwtablemarginb bwblockalignl bwwidth100\">\n<tr>\n<td class=\"bwvertalignb bwtopsingle bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwwidth76\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>INSURANCE SEGMENT<\/b><\/p>\n<p class=\"bwcellpmargin\"><b>Income from operations<\/b><\/p>\n<p class=\"bwcellpmargin\"><i>(in millions)<\/i><\/p>\n<\/td>\n<td class=\"bwvertalignb bwtopsingle bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\"><b>1Q26<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwtopsingle bwsinglebottom bwleftsingle bwrightsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\"><b>1Q25<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwwidth76\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>GAAP<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>$1,435<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n$1,574<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwwidth76\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAmortization associated with identifiable intangibles<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>4<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrightsingle bwrowaltcolor0 bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n4<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwwidth76\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>Adjusted (non-GAAP)<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\"><b>$1,439<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwpadr0 bwpadb3 bwwidth12\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignr bwcellpmargin\">\n$1,578<\/p>\n<\/td>\n<\/tr>\n<\/table>\n<p>\n(b) FY 2026 GAAP EPS guidance and FY 2026 Adjusted (non-GAAP) EPS guidance exclude the impact of future value changes to items that have not yet been recognized and cannot currently be reasonably estimated at this time.<\/p>\n<p><b><span class=\"bwuline\">Cautionary Statement<\/span><\/b><\/p>\n<p>\nThis news release includes forward-looking statements regarding Humana within the meaning of the Private Securities Litigation Reform Act of 1995. When used in investor presentations, press releases, Securities and Exchange Commission (SEC) filings, and in oral statements made by or with the approval of one of Humana\u2019s executive officers, the words or phrases like \u201cexpects,\u201d \u201cbelieves,\u201d \u201canticipates,\u201d \u201cassumes,\u201d \u201cintends,\u201d \u201clikely will result,\u201d \u201cestimates,\u201d \u201cprojects\u201d or variations of such words and similar expressions are intended to identify such forward-looking statements.<\/p>\n<p>\nThese forward-looking statements are not guarantees of future performance and are subject to risks, uncertainties, and assumptions, including, among other things, information set forth in the \u201cRisk Factors\u201d section of the company\u2019s SEC filings, a summary of which includes but is not limited to the following:<\/p>\n<ul class=\"bwlistdisc\">\n<li>\nIf Humana does not design and price its products properly and competitively, if the premiums Humana receives are insufficient to cover the cost of healthcare services delivered to its members, if the company is unable to implement clinical initiatives to provide a better healthcare experience for its members, lower costs and appropriately document the risk profile of its members, or if its estimates of benefits expense are inadequate, Humana\u2019s profitability could be materially adversely affected. Humana estimates the costs of its benefit expense payments, and designs and prices its products accordingly, using actuarial methods and assumptions based upon, among other relevant factors, claim payment patterns, medical cost inflation, and historical developments such as claim inventory levels and claim receipt patterns. The company continually reviews estimates of future payments relating to benefit expenses for services incurred in the current and prior periods and makes necessary adjustments to its reserves, including premium deficiency reserves, where appropriate. These estimates involve extensive judgment, and have considerable inherent variability because they are extremely sensitive to changes in claim payment patterns and medical cost trends. Accordingly, Humana&#8217;s reserves may be insufficient.<\/p>\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li>\nIf Humana fails to effectively implement its operational and strategic initiatives, including its Medicare initiatives, which are of particular importance given the concentration of the company&#8217;s revenues in these products, state-based contract strategy, the growth of its CenterWell business, and its integrated care delivery model, the company\u2019s business may be materially adversely affected.<\/p>\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li>\nThe number of Humana\u2019s Medicare Advantage plans rated 4-star or higher significantly declined in 2025. Humana filed a lawsuit seeking to set aside and vacate the 2025 Star Ratings of its Medicare Advantage plans, and on October 14, 2025, the Court issued a decision rejecting Humana&#8217;s challenge. Although the company has appealed that decision, there can be no assurances that it will ultimately prevail in the lawsuit. If the company is not successful, the decline in Star Ratings will negatively impact its 2026 quality bonus payments from CMS and may also significantly adversely affect the company\u2019s revenues, operating results, and cash flows. In addition, there can be no assurances the company will be successful in maintaining or improving its Star Ratings in future years.<\/p>\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li>\nIf Humana, or the third-party service providers on which it relies, fails to properly maintain the integrity of its data, to strategically maintain existing or implement new information systems (including systems powered by or incorporating artificial intelligence (AI) or machine learning (ML)), or to protect Humana\u2019s proprietary rights to its systems, or to defend against cyber-security attacks, contain such attacks when they occur, or prevent other privacy or data security incidents that result in security breaches that disrupt the company&#8217;s operations or in the unintentional dissemination of sensitive personal information or proprietary or confidential information, the company\u2019s business may be materially adversely affected.<\/p>\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li>\nHumana is involved in various legal actions, or disputes that could lead to legal actions (such as, among other things, provider contract disputes and qui tam litigation brought by individuals on behalf of the government), governmental and internal investigations, and routine internal review of business processes any of which, if resolved unfavorably to the company, could result in substantial monetary damages or changes in its business practices. Increased litigation and negative publicity could also increase the company\u2019s cost of doing business.<\/p>\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li>\nAs a government contractor, Humana is exposed to risks that may materially adversely affect its business or its willingness or ability to participate in government healthcare programs including, among other things, loss of material government contracts; governmental audits and investigations; potential inadequacy of government determined payment rates; potential restrictions on profitability, including by comparison of profitability of the company\u2019s Medicare Advantage business to non-Medicare Advantage business; or other changes in the governmental programs in which Humana participates. Changes to the risk-adjustment model utilized by CMS to adjust premiums paid to Medicare Advantage plans or retrospective recovery by CMS of previously paid premiums as a result of the final rule related to the risk adjustment data validation audit methodology published by CMS on January 30, 2023 (Final RADV Rule), which Humana believes fails to address adequately the statutory requirement of actuarial equivalence and violates the Administrative Procedure Act due to its failure to include a &#8220;Fee for Service Adjuster&#8221; could have a material adverse effect on the company&#8217;s operating results, financial position and cash flows.<\/p>\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li>\nHumana&#8217;s business activities are subject to substantial government regulation. New laws or regulations, or legislative, judicial, or regulatory changes in existing laws or regulations or their manner of application could increase the company&#8217;s cost of doing business and have a material adverse effect on Humana\u2019s results of operations (including restricting revenue, enrollment and premium growth in certain products and market segments, restricting the company\u2019s ability to expand into new markets, increasing the company\u2019s medical and operating costs by, among other things, requiring a minimum benefit ratio on insured products, lowering the company\u2019s Medicare payment rates and increasing the company\u2019s expenses associated with a non-deductible health insurance industry fee and other assessments); the company\u2019s financial position (including the company\u2019s ability to maintain the value of its goodwill); and the company\u2019s cash flows.<\/p>\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li>\nHumana\u2019s failure to manage acquisitions, divestitures and other significant transactions successfully may have a material adverse effect on the company\u2019s results of operations, financial position, and cash flows.<\/p>\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li>\nIf Humana fails to develop and maintain satisfactory relationships with the providers of care to its members, the company\u2019s business may be adversely affected.<\/p>\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li>\nHumana faces significant competition in attracting and retaining talented employees. Further, managing succession for, and retention of, key executives is critical to the Company\u2019s success, and its failure to do so could adversely affect the Company\u2019s businesses, operating results and\/or future performance.<\/p>\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li>\nHumana\u2019s pharmacy business is highly competitive and subjects it to regulations and supply chain risks in addition to those the company faces with its core health benefits businesses.<\/p>\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li>\nChanges in the prescription drug industry pricing benchmarks may adversely affect Humana\u2019s financial performance.<\/p>\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li>\nHumana\u2019s ability to obtain funds from certain of its licensed subsidiaries is restricted by state insurance regulations.<\/p>\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li>\nDowngrades in Humana\u2019s debt ratings, should they occur, may adversely affect its business, results of operations, and financial condition.<\/p>\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li>\nVolatility or disruption in the securities and credit markets may significantly and adversely affect the value of our investment portfolio and the investment income that we derive from this portfolio.<\/p>\n<\/li>\n<\/ul>\n<p>\nIn making forward-looking statements, Humana is not undertaking to address or update them in future filings or communications regarding its business or results. In light of these risks, uncertainties, and assumptions, the forward-looking events discussed herein may or may not occur. There also may be other risks that the company is unable to predict at this time. Any of these risks and uncertainties may cause actual results to differ materially from the results discussed in the forward-looking statements.<\/p>\n<p>\nHumana advises investors to read the following documents as filed by the company with the SEC for further discussion both of the risks it faces and its historical performance:<\/p>\n<ul class=\"bwlistdisc\">\n<li>\nForm 10-K for the year ended December 31, 2025; and<\/p>\n<\/li>\n<\/ul>\n<ul class=\"bwlistdisc\">\n<li>\nForm 8-Ks filed during 2026.<\/p>\n<\/li>\n<\/ul>\n<p><i><b><span class=\"bwuline\">About Humana<\/span><\/b><\/i><\/p>\n<p>\nHumana (NYSE: HUM) is a leading U.S. healthcare company. Through our Humana insurance services and our CenterWell health care services, we make it easier for the millions of people we serve to achieve their best health \u2013 delivering the care and service they need, when they need it. These efforts are leading to a better quality of life for people with Medicare and Medicaid, families, individuals, military service personnel, and communities at large. Learn more about what we offer at Humana.com and at CenterWell.com.\u00a0<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260429489812r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" style=\"width:0;height:0\" \/><span class=\"bwct31415\" \/><\/p>\n<p id=\"mmgallerylink\"><span id=\"mmgallerylink-phrase\">View source version on businesswire.com: <\/span><span id=\"mmgallerylink-link\"><a href=\"https:\/\/www.businesswire.com\/news\/home\/20260429489812\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20260429489812\/en\/<\/a><\/span><\/p>\n<p>\nLisa Stoner<br \/>\n<br \/>Humana Investor Relations<br \/>\n<br \/>(502) 580-2652<br \/>\n<br \/>e-mail: <a rel=\"nofollow\" href=\"mailto:LStamper@humana.com\">LStamper@humana.com<\/a><\/p>\n<p>\nMark Taylor<br \/>\n<br \/>Humana Corporate Communications<br \/>\n<br \/>(317) 753-0345<br \/>\n<br \/>e-mail: <a rel=\"nofollow\" href=\"mailto:MTaylor108@humana.com\">MTaylor108@humana.com<\/a><\/p>\n<p><b>KEYWORDS:<\/b> Kentucky United States North America<\/p>\n<p><b>INDUSTRY KEYWORDS:<\/b> Professional Services Health Insurance Health Insurance Managed Care General Health<\/p>\n<p><b>MEDIA:<\/b><\/p>\n<table cellpadding=\"3\" cellspacing=\"3\">\n<tr>\n<td><font face=\"Arial\" size=\"2\"><b>Logo<\/b><\/font><\/td>\n<\/tr>\n<tr>\n<td><img decoding=\"async\" src=\"https:\/\/mms.businesswire.com\/media\/20260429489812\/en\/660648\/3\/Logo.jpg\" alt=\"Logo\" \/><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\"><\/font><\/td>\n<\/tr>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>Humana Reports First Quarter 2026 Financial Results; Affirms Full Year 2026 Adjusted Financial Guidance Reports 1Q26 earnings per share (EPS) of $9.83 on a GAAP basis, Adjusted EPS of $10.31; at the high end of the company&#8217;s guidance of approximately 110 percent to 115 percent of full year (FY) 2026 Adjusted EPS 1Q26 Insurance segment GAAP benefit ratio of 89.4 percent, slightly favorable to management&#8217;s guidance of &#8216;just under 90 percent&#8217;; affirms FY 2026 Insurance segment benefit ratio guidance of 92.75 percent, plus or minus 25 basis points Affirms Adjusted FY 2026 GAAP EPS guidance of &#8216;at least $9.00&#8217;; while revising GAAP EPS guidance to &#8216;at least $8.36&#8217; from the previous estimate of &#8216;at least $8.89&#8217; Affirms FY 2026 individual &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/humana-reports-first-quarter-2026-financial-results-affirms-full-year-2026-adjusted-financial-guidance\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Humana Reports First Quarter 2026 Financial Results; Affirms Full Year 2026 Adjusted Financial Guidance&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-955761","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Humana Reports First Quarter 2026 Financial Results; Affirms Full Year 2026 Adjusted Financial Guidance - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/humana-reports-first-quarter-2026-financial-results-affirms-full-year-2026-adjusted-financial-guidance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Humana Reports First Quarter 2026 Financial Results; Affirms Full Year 2026 Adjusted Financial Guidance - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"Humana Reports First Quarter 2026 Financial Results; Affirms Full Year 2026 Adjusted Financial Guidance Reports 1Q26 earnings per share (EPS) of $9.83 on a GAAP basis, Adjusted EPS of $10.31; at the high end of the company&#8217;s guidance of approximately 110 percent to 115 percent of full year (FY) 2026 Adjusted EPS 1Q26 Insurance segment GAAP benefit ratio of 89.4 percent, slightly favorable to management&#8217;s guidance of &#8216;just under 90 percent&#8217;; affirms FY 2026 Insurance segment benefit ratio guidance of 92.75 percent, plus or minus 25 basis points Affirms Adjusted FY 2026 GAAP EPS guidance of &#8216;at least $9.00&#8217;; while revising GAAP EPS guidance to &#8216;at least $8.36&#8217; from the previous estimate of &#8216;at least $8.89&#8217; Affirms FY 2026 individual &hellip; Continue reading &quot;Humana Reports First Quarter 2026 Financial Results; 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