Exhibit 12

Humana Inc.

Computation of Ratio of Earnings to Fixed Charges

	For the year ended December 31,
	2009		2008		2007		2006		2005
Income before income taxes	$	1,601,760	$	992,848	$	1,289,300	$	762,085	$	402,880
Fixed charges		159,485		127,917		109,266		98,045		66,434
Total earnings	$	1,761,245	$	1,120,765	$	1,398,566	$	860,130	$	469,314
Interest charged to expense	$	105,843	$	80,289	$	68,878	$	63,141	$	39,315
One-third of rent expense		53,642		47,628		40,388		34,904		27,119
Total fixed charges	$	159,485	$	127,917	$	109,266	$	98,045	$	66,434
Ratio of earnings to fixed charges(1)(2)		11.0x		8.8x		12.8x		8.8x		7.1x

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.