Exhibit 12

Humana Inc.

Computation of Ratio of Earnings to Fixed Charges

	For the three months ended March 31,		For the twelve months ended December 31,
	2011		2010		2009		2008		2007		2006
	(Dollars in thousands)
Income before income taxes	$	496,784	$	1,749,562	$	1,601,760	$	992,848	$	1,289,300	$	762,085
Fixed charges		44,197		156,795		159,485		127,917		109,266		98,045
Total earnings	$	540,981	$	1,906,357	$	1,761,245	$	1,120,765	$	1,398,566	$	860,130
Interest charged to expense	$	27,228	$	105,060	$	105,843	$	80,289	$	68,878	$	63,141
One-third of rent expense		16,969		51,735		53,642		47,628		40,388		34,904
Total fixed charges	$	44,197	$	156,795	$	159,485	$	127,917	$	109,266	$	98,045
Ratio of earnings to fixed charges (1)(2)		12.2x		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.