Exhibit 12

Humana Inc.

Computation of Ratio of Earnings to Fixed Charges

	For the year ended December 31,
	2010		2009		2008		2007		2006
Income before income taxes	$	1,749,562	$	1,601,760	$	992,848	$	1,289,300	$	762,085
Fixed charges		156,795		159,485		127,917		109,266		98,045
Total earnings	$	1,906,357	$	1,761,245	$	1,120,765	$	1,398,566	$	860,130
Interest charged to expense	$	105,060	$	105,843	$	80,289	$	68,878	$	63,141
One-third of rent expense		51,735		53,642		47,628		40,388		34,904
Total fixed charges	$	156,795	$	159,485	$	127,917	$	109,266	$	98,045
Ratio of earnings to fixed charges (1)(2)		12.2x		11.0x		8.8x		12.8x		8.8x

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.