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. 401(k)
Plan of our report  dated  March 25,  1998,  with  respect  to the  consolidated
financial  statements and financial  statement  schedules of Universal  American
Financial Corp. and  subsidiaries  included in the Annual Report (Form 10-K) for
the year ended December 31, 1997.



New York, New York                                           Ernst & Young LLP
March 25, 1998





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                                  Exhibit 23(b)

                       Consent of Independent Auditors


The Board of Directors and Stockholders
Universal American Financial Corp.:

We consent to the  incorporation by reference in the Registration  Statement No.
11-258016 on Form S-8 of our report  dated March 26,  1996,  with respect to the
consolidated  financial statements and financial statement schedules included in
the Annual Report (Form 10-K) of Universal  American  Financial Corp.  (formerly
Universal Holding Corp.) for the year ended December 31, 1995.



New York, New York                                       KPMG Peat Marwick LLP
March 30, 1998




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