Exhibit 12

Humana Inc.

Computation of Ratio of Earnings to Fixed Charges

	For the three months ended March 31,		For the twelve months ended December 31,
	2007		2006		2005		2004		2003		2002
Income before income taxes	$	112,221	$	762,085	$	402,880	$	399,378	$	336,213	$	203,546
Fixed charges		27,834		98,045		66,434		49,246		40,972		44,349
Total earnings	$	140,055	$	860,130	$	469,314	$	448,624	$	377,185	$	247,895
Interest charged to expense	$	17,918	$	63,141	$	39,315	$	23,172	$	17,367	$	17,252
One-third of rent expense		9,916		34,904		27,119		26,074		23,605		27,097
Total fixed charges	$	27,834	$	98,045	$	66,434	$	49,246	$	40,972	$	44,349
Ratio of earnings to fixed charges (1)(2)		5.0x		8.8x		7.1x		9.1x		9.2x		5.6x

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.