Exhibit 12

Humana Inc.

Computation of Ratio of Earnings to Fixed Charges

	For the six months ended June 30,			For the twelve months ended December 31,
	2005			2004			2003			2002			2001			2000
	(Dollars in thousands)
Income before income taxes	$	250,994		$	415,850		$	344,716		$	209,934		$	183,080		$	113,990
Fixed charges		31,136			49,246			40,972			44,349			52,010			52,843
Total earnings	$	282,130		$	465,096		$	385,688		$	254,283		$	235,090		$	166,833
Interest charged to expense	$	18,845		$	23,172		$	17,367		$	17,252		$	25,302		$	28,615
One-third of rent expense		12,291			26,074			23,605			27,097			26,708			24,228
Total fixed charges	$	31,136		$	49,246		$	40,972		$	44,349		$	52,010		$	52,843
Ratio of earnings to fixed charges (1)(2)		9.1	x		9.4	x		9.4	x		5.7	x		4.5	x		3.2	x

Notes

(1) For the purposes of determining the ratio of earnings to fixed charges, earnings consist of income or loss before income taxes and fixed charges. Fixed charges include gross interest expense, amortization of deferred financing expenses and an amount equivalent to interest included in rental charges. One-third of rental expense represents a reasonable approximation of the interest amount.

(2) There are no shares of preferred stock outstanding.