Exhibit 12

Humana Inc.

Computation of Ratio of Earnings to Fixed Charges

	For the year ended December 31,
	2008		2007		2006		2005		2004
Income before income taxes	$	992,848	$	1,289,300	$	762,085	$	402,880	$	399,378
Fixed charges		127,917		109,266		98,045		66,434		49,246
Total earnings	$	1,120,765	$	1,398,566	$	860,130	$	469,314	$	448,624
Interest charged to expense	$	80,289	$	68,878	$	63,141	$	39,315	$	23,172
One-third of rent expense		47,628		40,388		34,904		27,119		26,074
Total fixed charges	$	127,917	$	109,266	$	98,045	$	66,434	$	49,246
Ratio of earnings to fixed charges (1)(2)		8.8x		12.8x		8.8x		7.1x		9.1x

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.