Exhibit 12

Humana Inc.

Computation of Ratio of Earnings to Fixed Charges

	For the six months ended June 30, 2006			For the twelve months ended December 31,
				2005(1)			2004(1)			2003(1)			2002(1)			2001(1)
	(Dollars in thousands)
Income before income taxes	$	271,530		$	402,880		$	399,378		$	336,213		$	203,546		$	176,952
Fixed charges		46,665			66,434			49,246			40,972			44,349			52,010
Total earnings	$	318,195		$	469,314		$	448,624		$	377,185		$	247,895		$	228,962
Interest charged to expense	$	30,326		$	39,315		$	23,172		$	17,367		$	17,252		$	25,302
One-third of rent expense		16,339			27,119			26,074			23,605			27,097			26,708
Total fixed charges	$	46,665		$	66,434		$	49,246		$	40,972		$	44,349		$	52,010
Ratio of earnings to fixed charges(2)(3)		6.8	x		7.1	x		9.1	x		9.2	x		5.6	x		4.4	x

Notes

(1) We adopted Statement of Financial Accounting Standards No. 123 (revised 2004), Share-Based Payment, or SFAS 123R on January 1, 2006. We have adjusted prior period amounts to reflect the effect of expensing stock awards under the modified retrospective application method of SFAS 123R.

(2) 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.

(3) There are no shares of preferred stock outstanding.