Humana Inc. Computation of Ratio of Earnings to Fixed Charges Exhibit 12

	For the three months ended March 31,		For the twelve months ended December 31,
	2006		2005		2004		2003		2002		2001
	(Dollars in thousands)
Income before income taxes	$	131,208	$	421,714	$	415,850	$	344,716	$	209,934	$	183,080
Fixed charges		21,034		66,434		49,246		40,972		44,349		52,010
Total earnings	$	152,242	$	488,148	$	465,096	$	385,688	$	254,283	$	235,090
Interest charged to expense	$	13,439	$	39,315	$	23,172	$	17,367	$	17,252	$	25,302
One-third of rent expense		7,595		27,119		26,074		23,605		27,097		26,708
Total fixed charges	$	21,034	$	66,434	$	49,246	$	40,972	$	44,349	$	52,010
Ratio of earnings to fixed charges (1)(2)		7.2x		7.3x		9.4x		9.4x		5.7x		4.5x

Notes

(1) For the purposes of determining the ratio of earnings to fixed charges, earnings consist of income 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.