Humana, Inc.	Exhibit 12
Computation of Ratio of Earnings to Fixed Charges

	For the twelve months ended December 31,
	2013		2012		2011		2010		2009
	(Dollars in millions)
Income before income taxes	$	1,921		1,911		2,235		1,749		1,602
Fixed charges		216		178		178		157		160
Total earnings	$	2,137		2,089		2,413		1,906		1,762
Interest charged to expense	$	140		105		109		105		106
One-third of rent expense		76		73		69		52		54
Total fixed charges	$	216		178		178		157		160
Ratio of earnings to fixed charges (1) (2)		9.9x		11.7x		13.6x		12.1x		11.0x

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.