2025 Impact Report

Humana's impact

As Humana approaches its 65th anniversary in 2026, we're not just celebrating our legacy, we're shaping the future of healthcare. Today, Humana is a healthcare services company focused on helping people achieve their best health by making healthcare simple and affordable.

We focus on building meaningful connections between patients, providers and communities; fostering shared accountability and driving measurable improvements in health outcomes for the people we serve.

‌Table of contents

4 Introduction

President & CEO letter 5

About this report 6

Measuring our impact 7

11 For each person

Simplifying the path to care 13

Improving access to prescription drug coverage 14

Breaking down barriers to healthcare access 15

Delivering innovative, whole-person care 17

Elevating the employee experience 21

34 For each community

Supporting communities through volunteerism

and civic engagement 36

Advancing health and well-being through strategic philanthropic investments and in-kind donations 38

Providing programs for veterans and

military that promote health and resilience 40

Advancing health equity 43

45 For the healthcare system

Innovating the care model 47

Governing with transparency and accountability 53

Protecting data and advancing responsible AI 60

72 For the environment

Reducing greenhouse gas emissions 74

Improving energy efficiency 77

Appendix | Disclosures and assurance

SASB disclosures TCFD disclosures GRI disclosures

Environmental Year-Over-Year Inventory

United Nations Sustainable Development Goals

Statement of Assurance

‌2025 IMPACT REPORT‌

Introduction

1. President & CEO letter

2. About this report

3. Measuring our impact

Introduction For each person For each community For the healthcare system For the environment Appendix 4

‌Letter from

Humana's CEO

Humana exists to help people achieve their best health. That starts with trust, connection, and creating a simpler, consumer-centric healthcare experience. It means a deep focus on outcomes, prevention, and allowing clinicians the time to truly listen so they can respond to patients' needs.

This year's Humana Impact Report shares how we're delivering on that promise: asking the people we serve what matters most, simplifying their path to care, and creating a more personalized healthcare experience each step of the way.

At the heart of our progress is value-based care. This proven approach is central to CenterWell and across Humana, where we're removing barriers and prioritizing coordinated, whole-person support. By focusing on patient health outcomes, we're helping more people experience what's possible when healthcare is built around their needs.

Health is also more than the sum of medical care and treatments; it's also about the social and environmental factors that allow people to thrive. Our strong community partnerships keep that fuller picture in view, empowering many of our patients to find the connection and community that keep them healthy.

But this isn't the only way we advance community. This year, more than 12,000 employees gave back through Humana Community Day, our company-wide day of service. We also introduced our first-ever community impact trip to the Dominican Republic, where a team of employees provided care to more than 500 patients - an inspiring example of our purpose in action.

When you put it all together, I'm proud of what we've accomplished. Thank you to our employees, partners, and communities for your trust and collaboration. Every year, we're doing more to create a healthcare experience that puts consumers first. I can't wait to see where our mission takes us next.

Jim Rechtin, President & CEO Humana Inc.

‌About this report

How this report was prepared

The Humana Impact Report covers our economic, social and environmental endeavors in 2025 and highlights our efforts to help people achieve their best health. Structured around our impact platform and five measure categories, it reflects our environmental, social and governance (ESG) strategy in areas where we can drive meaningful change. The pages that follow discuss our ESG approach, commitments and progress against certain priorities.

Published April 3, 2026, this Humana Impact Report is our 14th reporting publication. Estimated quantitative disclosures are identified, and we will update the report to clearly indicate changes when confirmed data is available.

Content and topic boundaries

The terms "we," "us," "our," the "Company" and "Humana" collectively refer to Humana Inc. and its subsidiaries. Boundaries for this Humana Impact Report extend to our facilities located in the United States (and certain U.S. territories) and include our insurance and CenterWell® business segments. Refer to our most recent Form 10-K for additional information about our corporate service functions, operations, business segments, consolidated financial reporting and subsidiary listing.

Reporting is consolidated at the Humana Inc. level consistent with our management of corporate policies, processes, systems, practices and functions that are integrated and implemented across our enterprise.

This Humana Impact Report covers the period from January 1, 2025 through December 31, 2025, unless otherwise noted. Along with our SEC filings, these pages report all ESG issues we determine are material to our business, as described in "Our approach to ESG materiality" that follows.

Humana welcomes your feedback on this information. Please send your questions or comments to ESG@humana.com.

Disclosures and assurance

Humana's 2025 Impact Report features activities, progress, measures and performance data for how Humana is simplifying care, advancing health equity, addressing needs in our communities and driving sustainable change with shared value.

Qualitative and quantitative disclosures within this Humana Impact Report were developed through a rigorous internal review process involving senior leadership and cross-functional business partners, which were then validated internally using established verification standards. The Humana Impact Report was submitted to the Nominating, Governance & Sustainability Committee of our Board of Directors for review and approved for publication by our ESG Steering Committee.

Some of our environmental data for the year ending December 31, 2025, was in process of third-party assurance at the time of publication. When Limited Assurance is received from Schneider Electric ("Schneider"), an independent third-party contracted by us to conduct verification in accordance with International Organization for Standardization (ISO) 14064-3, we will publish the supporting Statement of Assurance. Please refer to the Appendix to this report for the Statement of Assurance by Schneider.

We have also mapped our ESG disclosures to frameworks established by the Sustainability Accounting Standards Board (SASB): Managed Care Standard; the Task Force on Climate-Related Financial Disclosures (TCFD); the Global Reporting Initiative (GRI): Universal Standards and Topic Standards; and the United Nations Sustainable Development Goals. See the tables within the Appendix to this report for these disclosures.

‌Measuring

our impact

Our impact platform

For each person

We make it simpler for people to reach their best health

For the healthcare system

We help build more sustainable business, governance and healthcare practices

For each community

We work to advance health equity and population health

For the environment

We invest in the health and sustainability of our world

Humana's ESG measures

We've established five key measure categories that support and shape our environmental, social and governance (ESG) platform. Within each category, qualitative and quantitative factors track, measure and report our performance in achieving strategic business goals, supporting sustainable practices and improving health outcomes.

Access to healthcare

Data privacy and protection

Environmental impact

Product quality and safety

Talent and diversity

ESG materiality

We understand our stakeholders consider many topics important. Our approach to prioritizing material topics considers how strongly topics are connected to our business strategy, the overall effect on our performance, and the significance of our impact to stakeholders. We then invest our resources where it makes sense for our business and yields the greatest collective impact.

Stakeholders and engagement

Stakeholders

Humana employees

Community partners

Business partners and suppliers

Members, patients, customers

Investors and stockholders

Regulators and policymakers

At Humana, we value our stakeholders' opinions and recognize intersections between our interests and those of our stakeholders. We deploy proactive outreach to our stakeholders through a variety of mechanisms-including surveys, interviews and open-forum discussions-to solicit their insight on a variety of topics and issues relevant to our business. We use stakeholder feedback to help inform and advance our business strategies, operations, services and products. We continued this practice in 2025, which helped to inform the content provided in this report. Please refer to our Proxy Statement for a discussion of meetings held in 2025 with some of our investors/stockholders.

Our approach to ESG materiality

We approach ESG materiality through the lens of material topics with a direct connection to our industry, the geographies where we operate, the impacts within our value chain and our strategic business endeavors.

Every 3-5 years, we engage a third party to perform a comprehensive material topic assessment to ensure our ESG priorities remain aligned with our business strategy and stakeholder interests. During this rigorous process, stakeholder groups are interviewed and surveyed for their input and perspective on a wide range of topics and issues related to our business. Topics are then compiled, aggregated, standardized and further refined to ultimately reflect only those topics deemed most impactful to our stakeholders and significant to our business as illustrated in our ESG materiality matrix. The process may culminate in either a partial or full refresh of material topics or reaffirm existing ESG priorities. Additionally, we have an established process for annual evaluation of material topics and corresponding ESG materiality matrix by our ESG Steering Committee. This review considers our existing enterprise risk management framework as well as ESG data factors commonly analyzed by proxy advisory firms; prominent disclosure frameworks like SASB, GRI and TCFD; third-party rating and ranking organizations along with market research agencies.

In 2022, we completed the comprehensive ESG material topic assessment resulting in a refreshed materiality matrix identifying ESG topics that we and our stakeholders consider most important to our business. In subsequent years, we followed the annual review process with our ESG Steering Committee and presented their recommendations to our Nominating, Governance & Sustainability Committee.

For 2025, the ESG Steering Committee determined no revisions were necessary for this reporting period as material topics previously identified remained relevant.

ESG materiality matrix

The following matrix illustrates material topics we have determined have the most significant impact on our business and stakeholders. More information about our approach to ESG materiality is found on page 8 of this report.

Stakeholder focus

Pricing, billing and

Artificial

Highest priority

Member health and quality of care

service transparency

intelligence

Equitable access to affordable healthcare

Non-discrimination practices

Compensation and

Open feedback and communications

Talent attraction, retention and professional development

Board structure

Regulatory oversight and compliance

Changing health needs/ service delivery innovation

Importance to stakeholders

benefits

Employee mental health and well-being

Employee diversity, equity and inclusion

Customer data privacy and protection

Partnerships to address social determinants of health

Supply chain/business partner resilience and diversification

Renewable energy and energy efficiency initiatives

Environmental management systems

Public policy

Resilience to physical climate-related risks

Formal ESG oversight structure

Care provider partnerships

Climate change preparedness

Succession planning

GHG

emissions

ESG performance tied to compensation

Waste management and recycling

Engagement with stakeholders

Impact focus

Significance of environmental, social and economic impact

2025 summary

Advancing whole-person health through simplified, integrated and affordable care

MA & PDP members supported through simplified coverage.

8M+

members supported with affordable

stand-alone PDP access.

2.5M

LI NET enrollments enabled immediate

access to medications.

854,200

additional patients served through

CenterWell Senior

Primary Care® in 2025.

100,600

Driving better health outcomes and community impact

distinct users accessed Humana Community

Navigator® to find free or reduced-cost support services.

196,949

social determinants of health screenings completed among Medicaid members to identify

barriers impacting care access.

815,500

lives touched through

service projects on Humana Community Day.

1.6M

vaccines administered by CenterWell Pharmacy®

across 367 community vaccination clinics.

8,440

Innovating for a sustainable future

of Medicaid members attributed to value-

based providers in 2025.

90%

fewer inpatient admissions for Medicare Advantage members

in value-based care compared to Original Medicare.

24%

of CenterWell Home Health® providers earned 4.0+ Star Rating vs. the home health

industry avg. of 35%.

80%

reduction in Scope 1 & 2 greenhouse gas emissions from the

base year.

14%

Empowering a future-ready workforce

67,060

employees power Humana's purpose every day.

average employee tenure reflects experience

and continuity.

7-year

of employees say they intend to stay with Humana for at

least the next 12 months.

87%

invested in education and upskilling.

$23M+

‌2025 IMPACT REPORT

‌For each person

13 Simplifying the path to care

14 Improving access to prescription drug coverage

15 Breaking down barriers to healthcare access

17 Delivering innovative, whole-person care

21 Elevating the employee experience

Introduction For each person For each community For the healthcare system For the environment Appendix 11

Top takeaways

FOR EACH PERSON:

67,060

employees power Humana's purpose every day.

Earned the American Medical Association's Joy in Medicine®

recognition for advancing clinician well-being and reducing burnout-affirming our commitment to

supporting the people who care for others.

Once again named a Certified™ Great Place to Work®, based on employee feedback.

8M+

seniors supported through Humana's MA and

PDP offerings.

905,500+

Medicaid members were screened for social determinants of health, helping identify and address barriers that impact long-term health and well-being.

CenterWell Pharmacy vaccination clinics expanded access to preventive care, delivering

8,400+

vaccines via community-based clinics.

‌We exist to help people achieve their best health. That means simplifying their path to care.

To care for members, patients and employees, we work to understand their individual needs and support them as a whole person with empathy and compassion.

Through strong value-based partnerships and a

customer-first approach, we work with our patients, caregivers, providers and communities to ensure they have access to the right care, at the right time, at an

affordable price. By removing barriers and making care easier, we work to deliver better health outcomes.

Simplifying the path to care

Our commitment is evident in our Medicare Advantage (MA) and prescription drug plans (PDPs), which deliver consistent coverage and peace of mind for more than 8 million seniors nationwide. These plans are designed to make healthcare simpler, personalized and affordable. In 2026, more than 80% of Humana MA members will be in plans with consistent and reliable coverage that reflect this commitment. Our 2026 plans are also designed to be clear and easy to understand, with standardized options and straightforward plan materials to help members feel confident about their decisions. Our plans reflect input from thousands of members to ensure the features they value most remain in place.

Highlights of Humana's 2026 MA plans:

Robust coverage: All non-special needs MA plans include dental, vision and hearing coverage with

$0 copays for preventive dental services.

$0 preventive care: $0 copays for in-network preventive services, including screenings for breast cancer, colon cancer and bone density.

Primary care and pharmacy savings: Nearly all non-special needs MA plans include $0 in-network copays for primary care provider (PCP) visits and Tier 1 prescriptions.

Seamless pharmacy access: All MA and PDP members have the option to use CenterWell Pharmacy® to support safe and on-time deliveries by mail.

Expanded access: MA plans are available in 46 states and Washington, D.C., covering 85% of

U.S. counties.

Learn more about Humana's 2026 MA and PDP offerings here

‌Improving access to prescription drug coverage

Prescription drug coverage is another essential component of Humana's approach to whole-person care. Our PDPs are designed to ensure our MA members and our 2.46 million stand-alone PDP members have uninterrupted, affordable access to the medications they need. Through our Medicare PDPs and Limited Income Newly Eligible Transition (LI NET) program, we help people manage their medications confidently and avoid gaps in treatment.

Highlights of Humana's 2026 PDPs:

LI NET Program

Humana serves as the national administrator for LI NET, enabling real-time enrollment and point-of-sale coverage at pharmacies across the country.

What is it?

Temporary prescription drug coverage for people newly eligible for Medicare and the Low-Income Subsidy (LIS).

How does it benefit people?

Lower costs for beneficiaries: Approximately 83% of PDPs feature a premium decrease.

Three distinct plan options to meet a variety of needs: Members can choose between budget-conscious coverage, plans with robust generic drug value or coverage for those seeking a broad formulary.

$0 copays for many common generic

Immediate access to prescribed medications

Point-of-sale enrollment directly at the pharmacy counter

Open formulary covering all Part D drugs

Retroactive coverage for up to 36 months of prior prescriptions

medications, no deductibles on select tiers and access to an extensive national network of pharmacies.

Seamless access via the option to use CenterWell Pharmacy® to support safe and on-time home deliveries.

What the 2025 data shows

Learn more about Humana's 2026 PDPs here

Introduction For each person For each community For the healthcare system For the environment Appendix 14

Humana Healthy Options Allowance®

allows eligible members on select plans to use a single spending card for approved items that support well-being-from groceries to over-the-counter products, utilities, rent and transportation. This flexibility helps people make choices that fit their current lifestyle while staying healthy at home and in their communities.

Humana Community Navigator®

is an online tool that connects anyone, regardless of insurance carrier, to free or reduced-cost community resources. The platform, powered by findhelp, creates a seamless network of support across multiple access points. Humana employees can refer members and log referrals directly on their behalf; clinicians can connect members and patients to local community programs and members can self-refer to meet their health-related social needs. The platform offers access to community resources in the member's preferred language with flexible communication options like text, email or print.

Together, these capabilities break down barriers, close health gaps and empower each person to achieve their best health.

‌Breaking down barriers to healthcare access

We are committed to helping people achieve their best health regardless of geography, background or circumstances. We believe health should be fair, supported and within reach for everyone. That's why we work to remove obstacles that stand in the way of quality care. Through targeted programs, products and resources, including CenterWell®, our healthcare services business, with 62% of its primary care centers in underserved communities, we expand access and support so every person can connect with the resources they need.

Supporting whole-person needs

Every person's health journey is unique and can be impacted by a variety of environmental factors. Through our person-centered approach for our Medicaid and Medicare members' programs, we identify and address social and structural factors that influence health outcomes, including food insecurity, housing, transportation and financial strain.

905,500+

Social determinants of health (SDOH) screenings nationally among our Medicaid members

Humana Community Navigator connections made:

196,900 10,200

Distinct community site users Unique sessions from the HCN Reference Tags

162,100 9,000

Unique members referred Unique users from the HCN Reference Tags

1.84M

Searches made, including staff site searches and community searches

Introduction For each person For each community For the healthcare system For the environment Appendix

15

Advancing Medicaid coverage through Humana Healthy Horizons

Providing plans for military families

Caring for those who serve is a privilege that guides Humana's partnership with the Department of Defense. Through Humana Military, a wholly-owned subsidiary of Humana dedicated to serving the military, we administer the TRICARE contract for the East Region, which connects service members, retirees and their families to high-quality, coordinated care that supports their readiness, resiliency and overall well-being.

24 states and Washington D.C.

As we simplify access to care for millions of seniors with

4.5M

military beneficiaries served

our Medicare Advantage plans, we are equally dedicated to supporting individuals and families with Medicaid through Humana Healthy Horizons®. Humana's Medicaid plans are designed to break down barriers and connect members to vital resources to empower them to live healthier, more secure lives. Humana Healthy Horizons integrates physical health, behavioral health, drug coverage, long-term care and social services to improve outcomes and close gaps for people who need it most.

With over two decades of Medicaid experience, Humana partners with states and providers to strengthen behavioral health access, promote preventive care and address social needs. In 2025, our contract renewals and new state implementations continued to reinforce our role as a trusted Medicaid partner.

Humana is also committed to meeting the unique needs of veterans. Our USAA Honor Giveback plans, co-created with USAA, provide flexible benefits, strong mental health support and access to non-VA providers.

Highlights of the 2026 Humana USAA Honor Giveback plans:

Learn more about Humana Healthy Horizons here

10 (FL, IL, IN, KY, LA, OH, OK,

Humana Medicaid states

SC, VA, and WI)

Humana Healthy Horizons year in review

$0 Copays

for in-network mental health services,

virtually and in person

$0 Copays

for in-network primary care visits

Benefits

Dental, vision and hearing coverage

Availability

in 2,541 counties in 46 states and

Washington, D.C.

1.48M Humana Medicaid members

Humana also supports veterans through initiatives like Face the Fight, which addresses veteran suicide, and Uniting for Veterans, a national partnership with the Veterans of Foreign Wars (VFW) that addresses food insecurity and other social needs that impact veterans.

1

New state implementation

Learn more about the Humana USAA Honor Giveback plans here

10,200

new IPA patients served

‌Delivering innovative, whole-person care

Humana's commitment to whole-person care is exemplified through CenterWell®, our healthcare services business. As the nation's largest provider of senior-focused primary care, a leading provider of home health care and a trusted pharmacy partner, CenterWell delivers integrated, proactive and personalized care that addresses the physical, emotional and social needs of seniors through coordinated teams of clinicians, pharmacists and caregivers.

Transforming primary care for older adults

CenterWell Senior Primary Care® and Conviva Senior Primary Care centers provide proactive, whole-person care for older adults with complex needs that result in 50% more time spent with their care teams compared to traditional models, a 30% decrease in avoidable hospital admissions and higher patient satisfaction scores.

Expanding access to care

In 2025, CenterWell opened six new centers and acquired The Villages Health, adding eight primary care centers, two specialty centers, and 55,000 patients to the CenterWell network. With nearly 350 clinics across 15 states-including Walmart co-locations-our centers make care more accessible and culturally responsive.

Advancing quality and accessibility

CenterWell is also redefining quality care by expanding how and where it's delivered. In 2025, we strengthened our ability to close care gaps, improve outcomes and reach more patients through initiatives that advance clinical excellence and access. This includes adding in-center cameras to conduct diabetic retinopathy screenings, enabling early identification and management of eye disease without requiring a separate specialist visit.

Our Independent Physician Association (IPA) helps independent physicians and practice groups adopt CenterWell's value-based care platform to simplify business operations and spend more time with patients. These partnerships extend high-quality care to more communities.

We also launched CenterWell Medical GroupTM a new virtual-first offering designed to deliver primary-care -like services for patients who do not have a primary care physician-or who need support between visits-helping ensure timely, connected care whenever and wherever it's needed.

In Florida, Nevada and Houston, Texas, embedded specialty care brings high-quality specialists directly into our centers, which reduces outside referrals, making treatment faster and more connected for older adults with complex needs. We also expanded access to e-consults and high-value specialty partners in areas such as oncology to further support timely, coordinated specialty care.

Driving AI innovation

In 2025, CenterWell® piloted AI-powered ambient listening in select CenterWell Senior Primary Care® centers to help increase the time physicians spend with their patients. This technology securely listens, transcribes and drafts medical notes, which improves documentation accuracy and strengthens clinician-patient interactions.

68.6%

of clinicians spent less time on the computer during a patient visit

surround them with a multi-faceted care

team in facilities designed specifically for seniors, we can provide more consistent, personalized and effective care to help those we serve achieve their best health.

-Reneé Buckingham, President of Humana's Primary Care Organization

know and understand our patients and

When we take the time to really get to

Source: Clinician Experience with Ambient Documentation in Senior Focused Primary Care Setting-Descriptive Analysis

Enhancing care through home health and specialty services

CenterWell meets patients where they are-at home or in outpatient settings. Through CenterWell Home Health®, OneHome® and our new Outpatient Rehabilitation service line, patients receive skilled nursing, therapy and rehabilitation services to help them recover safely and maintain their independence. Our integrated model connects primary care, home health, pharmacy and post-acute services for seamless, personalized care. In 2025, CenterWell expanded outpatient rehabilitation services to increase access to lower-cost therapy options for non-homebound Medicare Part B patients-helping more individuals receive the care they need in the setting that works best for them.

Learn more about the results of the pilot and the impact on clinicians here

Addressing complex needs with specialized programs

Safe Strides®

Enhances mobility and works to prevent falls to keep patients safe at home while promoting safety and independence in daily activities.

CenterWell Keeping Hearts at Home®

Supports patients with heart failure by managing their health at home to reduce hospital readmission and improve heart health.

Daily Difference with Diabetes™

Helps patients manage diabetes through personalized care plans and education accredited by the American Diabetes Association (ADA).

PRIME Wound Care®

Delivers wound care, treatment and management to promote healing and prevent complications.

CenterWell Home Health advances the quality of home-based care through clinical programs that help patients recover safely, manage chronic conditions and maintain independence. Our specialized programs-PRIME Wound Care®, Daily Difference with Diabetes™, Safe Strides® and CenterWell Keeping Hearts at Home® address some of home health patients' most common and complex needs.

Our programs

at work

Introduction For each person For each community For the healthcare system For the environment Appendix 19

Simplifying medication management with integrated pharmacy solutions

CenterWell Pharmacy® ensures reliable, convenient access to medications through home delivery, over-the-counter fulfillment and retail locations. Pharmacy teams coordinate closely with physicians and care teams to simplify treatment and improve outcomes and make medication management easier, safer and more personal. Patients using CenterWell Pharmacy have 2.7% higher medication adherence and $543 lower total medical costs compared to other pharmacies.¹ By having pharmacists as part of the care team, CenterWell® ensures that treatment is coordinated, personalized and focused on achieving the best possible health outcomes.

¹ Based on 2024 year-end data.

Highlights of CenterWell Pharmacy services

147,700

direct-to-consumer patients served

2.16M mail-order customers served

42.45M mail-order prescriptions filled

37 groups to dispense prescriptions

retail locations co-located with provider

Expanding preventive care and community support

CenterWell Pharmacy extends access to essential medications and preventive care through community vaccine clinics and prescription donation programs. In 2025, CenterWell administered 8,440 total vaccines at 367 vaccination clinics, which helped remove barriers to care and support healthier communities.

Elevating specialty care with Centers of Excellence

CenterWell Specialty Pharmacy® delivers expert care for patients with chronic or complex conditions like cancer, multiple sclerosis and rheumatoid arthritis. At the heart of this approach are our four disease-specific Clinical Centers of Excellence (COEs) - dedicated teams of pharmacists, nurses and technicians with specialized expertise. The COEs provide personalized, 24/7 guidance and access to more than 240 specialty limited distribution drugs (LDDs) that help patients stay on therapy, manage side effects and feel more confident about their care.

Highlights of CenterWell Specialty Pharmacy services

191,100

customers served, an increase of 61% year-over-year

1.18M specialty prescriptions dispensed

Introduction For each person For each community For the healthcare system For the environment Appendix

20