Humana 401(k) at a glance
| Employer match | From January 1, 2026, Humana matches 100% of the first 6% of pay you contribute (max 6% of pay), after one year of service. In 2025 the match was 125% of the first 6% (max 7.5%). |
|---|---|
| Maximum match | 6% of pay |
| Contribution needed for full match | 6% of pay |
| Vesting | 2 years to fully vestMatching contributions vest fully after 2 years of service. |
| Eligibility | Employees can contribute from hire; the company match starts after one year of service. |
| Automatic enrollment | New hires are auto-enrolled at 3% of pay, rising 1% a year (from the second January) up to 15%. |
| Roth 401(k) option | Yes |
| Plan provider | Charles Schwab |
| Who this applies to | US employees (Puerto Rico employees use a separate plan) |
How much is the Humana match worth?
If you contribute 6% of your pay, Humana adds the full match. Here is what that means at different salaries, per year, before investment growth:
| Salary | You contribute (6%) | Humana match |
|---|---|---|
| $40,000 | $2,400 | $2,400 |
| $60,000 | $3,600 | $3,600 |
| $90,000 | $5,400 | $5,400 |
| $150,000 | $9,000 | $9,000 |
Illustration based on the plan terms above. Your actual match depends on eligible pay, timing and plan rules.
Good to know
- The match was cut from 125% to 100% of the first 6% on January 1, 2026.
- The plan is a safe harbor plan.
- 2026 changes also raised the pre-tax limit to 70% of pay and the after-tax limit to 7%.
Other Humana retirement benefits
- Qualified student loan payments count toward the match from 2026
- Employer-sponsored emergency savings account with Humana matching funds
- HSA and FSA contributions
How to make the most of your Humana 401(k)
- Always get the full match. Contribute at least 6% of pay. It is an instant return you cannot get anywhere else.
- Check your vesting date before you change jobs, so you do not leave unvested money behind.
- Pre-tax or Roth? If you expect a higher tax rate in retirement, Roth contributions can pay off. Model it with our Roth conversion calculator.
- Watch fees and prefer low-cost index or target-date funds in the plan lineup.
- Plan the whole picture: see how your state taxes retirement income before you decide where to retire.
Frequently asked questions
Does Humana match 401(k) contributions?
From January 1, 2026, Humana matches 100% of the first 6% of pay you contribute (max 6% of pay), after one year of service. In 2025 the match was 125% of the first 6% (max 7.5%).
When does the Humana 401(k) match vest?
Matching contributions vest fully after 2 years of service.
When can I join the Humana 401(k)?
Employees can contribute from hire; the company match starts after one year of service.
How much should I contribute to get the full Humana match?
Contribute at least 6% of your pay. Anything less leaves part of the match unclaimed.
Sources (last verified 2026)
- Humana Retirement Savings Plan Form 11-K (year ended December 31, 2025) — SEC EDGAR (2026-06-24)
- Humana Retirement Savings Plan Form 11-K (year ended December 31, 2024) — SEC EDGAR (2025-06-17)
- Humana Benefits for Job Seekers — Humana (2026-09-24)
Educational content only, not tax, legal or investment advice. Plans and tax laws change; confirm details with your employer's plan documents or your state revenue department. Smart Financial Lifestyle is not affiliated with any employer named on this site.