Exhibit 12

Humana Inc.

Computation of Ratio of Earnings to Fixed Charges

	For the year ended December 31,
	2012		2011		2010		2009		2008
	(dollars in millions)
Income before income taxes	$	1,911	$	2,235	$	1,749	$	1,602	$	993
Fixed charges		178		178		157		160		128
Total earnings	$	2,089	$	2,413	$	1,906	$	1,762	$	1,121
Interest charged to expense	$	105	$	109	$	105	$	106	$	80
One-third of rent expense		73		69		52		54		48
Total fixed charges	$	178	$	178	$	157	$	160	$	128
Ratio of earnings to fixed charges (1)(2)		11.7x		13.6x		12.1x		11.0x		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.