EXHIBIT 23.1

                         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 and in the Registration Statements (Form S-2 No. 333-03641)
pertaining to the Universal American Financial Corp. Incentive Stock Option
Plan, Agents Stock Purchase Plan, Deferred Compensation Plan for Agents, Stock
Option Plan for Directors, and Non-qualified Stock Option Plans for Agents and
Others and (Form S-3 No. 333-120190) pertaining to the registration of Debt
Securities, Preferred Stock, Common Stock, Depositary Shares, Warrants, Stock
Purchase Contracts, Stock Purchase Units and Common Stock for Universal American
Financial Corp., of our reports dated March 11, 2005, with respect to the
consolidated financial statements and financial statement schedules of Universal
American Financial Corp., Universal American Financial Corp. management's
assessment of the effectiveness of internal control over financial reporting,
and the effectiveness of internal control over financial reporting of Universal
American Financial Corp., included in this Annual Report (Form 10-K) for the
year ended December 31, 2004.

                                        /s/ Ernst & Young LLP

New York, NY
March 15, 2005