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,
	2012			2011			2010			2009			2008			2007
	(Dollars in millions)
Income before income taxes	$	954		$	2,235			1,749			1,602			993			1,289
Fixed charges		88			178			157			160			128			109
Total earnings	$	1,042		$	2,413			1,906			1,762			1,121			1,398
Interest charged to expense	$	52		$	109			105			106			80			69
One-third of rent expense		36			69			52			54			48			40
Total fixed charges	$	88		$	178			157			160			128			109
Ratio of earnings to fixed charges (1)(2)		11.8	x		13.6	x		12.1	x		11.0	x		8.8	x		12.8	x

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.