Humana (NYSE: HUM) announced the introduction of a new portfolio of individual health insurance plans individual health insurance plans under its HumanaOne® brand in nine states -- Alabama, Arkansas, Iowa, Indiana, Mississippi, Nebraska, Oklahoma, South Carolina and Utah. In 2007, Humana introduced the individual health insurance coverage options in 15 other states (listed below), where they have been popular with consumers.

The variety of plans makes it easy for individuals and families to select a plan according to their own personal preferences, lifestyles and budgets. HumanaOne plans are designed specifically for self-employed entrepreneurs, small-business employees, part-time workers, students and early retirees. Humana markets HumanaOne plans through insurance agents and brokers, as well as directly to consumers. Health insurance quote applications for the plans are available online or by phone.

HumanaOne's new personal health insurance plan portfolio includes a broad spectrum of benefits -- with three in-network coinsurance levels and 17 annual deductible choices -- organized into three, distinct packages, for:

- People who are security-minded and want benefits like those provided by big employers

- People who want flexibility to fit their financial plan, including HSA-qualified offerings

- People who want a low-cost plan with a safety net "just in case"

The plans can be further customized with optional benefits such as dental insurance, life insurance, and supplemental accident coverage.

"With the U.S. market for individual health insurance at 18 million and growing, we recognize that individual health insurance plans cannot be 'one size fits all,'" said Jerry Ganoni, president of HumanaOne, Humana Small Business and HumanaDental. "That's why we created three separate families of plans, each tailored for a particular kind of consumer, but at the same time highly customizable. This represents the most significant product expansion for HumanaOne since its inception in 2002."

In 2007, Humana launched the new products in 15 other states -- Arizona, Colorado, Florida, Georgia, Illinois, Kansas, Kentucky, Louisiana, Michigan, Missouri, North Carolina, Ohio, Tennessee, Texas and Wisconsin. Soon, the company plans to introduce the new product portfolio in the remaining two states where HumanaOne currently operates. At present, HumanaOne serves more than 250,000 health plan members in 26 states.

The new plans from HumanaOne are designed to appeal to a variety of consumers -- from those who desire the security, coverage and service commonly found in health plans from large employers, to those wanting a simple safety net in the event of a major health problem.

The new portfolio of HumanaOne plans offers deductibles ranging from $1,000 to $7,500 for single coverage, and from $2,000 to $15,000 for family coverage. Premiums start as low as $30 per month for single coverage and increase according to the plan, its features and level of benefits.

"This new portfolio of products positions HumanaOne to serve a much larger portion of the individual health insurance market, which we believe will continue to grow at a rate of five to eight percent annually over the next five years," said Steve DeRaleau, chief operating officer of HumanaOne. "As more people leave group health plans, retire early, become self-employed or work part-time, they will increasingly look to individual health plans, and HumanaOne will be there to serve them with a plan ideally suited to their distinct needs."

Humana guarantees monthly premium rates on its HumanaOne plans for one full year after purchase, as long as the member remains in the same area and keeps the same benefits. Thanks to Humana's large network of doctors and hospitals, HumanaOne policyholders who move to a different state can simply take their plan with them, and in most cases, those who work or travel away from home can receive in-network benefits by seeing any of the more than 400,000 Humana-contracted doctors, hospitals and other health care providers across the country.

HumanaOne members have 24-hour access to online tools and resources, enabling them to check claims status, medical expenses, compare hospital, doctor and prescription costs and more. HumanaOne accepts applications by phone or via its Website at http://www.humana-one.com

About Humana

Humana Inc., headquartered in Louisville, Kentucky, is one of the nation's largest publicly traded health and supplemental benefits companies, with approximately 11.5 million medical members. Humana is a full-service benefits solutions company, offering a wide array of health and supplementary benefit plans for employer groups, government programs and individuals.

Over its 47-year history, Humana has consistently seized opportunities to meet changing customer needs. Today, the company is a leader in consumer engagement, providing guidance that leads to lower costs and a better health plan experience throughout its diversified customer portfolio.
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