Exhibit 23(a)

                    Consent of Independent Auditors


We consent to the incorporation by reference in the Registration Statement 
(Form S-8 No. 11-258016) pertaining to the Universal American Financial Corp. 
401K Plan of our report dated March 26, 1997, with respect to the consolidated 
financial statements and financial statement schedules included in the Annual 
Report (Form 10-K) of Universal American Financial Corp. for the year ended 
December 31, 1996.



New York, New York		                           					Ernst & Young LLP
March 26, 1997