Exhibit 12

Humana Inc.

Computation of Ratio of Earnings to Fixed Charges

	For the nine months ended September 30,		For the twelve months ended December 31,
	2012		2011		2010		2009		2008		2007
	(Dollars in millions)
Income before income taxes	$	1,030	$	2,235		1,749		1,602		993		1,289
Fixed charges		132		178		157		160		128		109
Total earnings	$	1,162	$	2,413		1,906		1,762		1,121		1,398
Interest charged to expense	$	78	$	109		105		106		80		69
One-third of rent expense		54		69		52		54		48		40
Total fixed charges	$	132	$	178		157		160		128		109
Ratio of earnings to fixed charges (1)(2)		8.8x		13.6x		12.1x		11.0x		8.8x		12.8x

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.