Exhibit 12

Humana Inc.

Computation of Ratio of Earnings to Fixed Charges

	For the year ended December 31,
	2007		2006		2005		2004		2003
Income before income taxes	$	1,289,300	$	762,085	$	402,880	$	399,378	$	336,213
Fixed charges		109,266		98,045		66,434		49,246		40,972
Total earnings	$	1,398,566	$	860,130	$	469,314	$	448,624	$	377,185
Interest charged to expense	$	68,878	$	63,141	$	39,315	$	23,172	$	17,367
One-third of rent expense		40,388		34,904		27,119		26,074		23,605
Total fixed charges	$	109,266	$	98,045	$	66,434	$	49,246	$	40,972
Ratio of earnings to fixed charges (1)(2)		12.8x		8.8x		7.1x		9.1x		9.2x

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.