EXHIBIT 32.1

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350
                       AS ADOPTED PURSUANT TO SECTION 906
                        OF THE SARBANES-OXLEY ACT OF 2002

      In connection with the Quarterly Report on Form 10-Q of Universal American
Financial Corp. (the "Registrant") for the quarter ended March 31, 2005, as
filed with the Securities and Exchange Commission on the date hereof (the
"Report"), Richard A. Barasch, Chief Executive Officer of the Registrant, and
Robert A. Waegelein, Chief Financial Officer of the Registrant, each hereby
certifies, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section
906 of the Sarbanes-Oxley Act of 2002, that to the best of his knowledge:

      (1) The Report fully complies with the requirements of section 13(a) or
15(d) of the Securities Exchange Act of 1934, as amended; and

      (2) The information contained in the Report fairly presents, in all
material respects, the financial condition and results of operations of the
Company.

Date: May 10, 2005                           /s/ Richard A. Barasch
                                             ----------------------

                                             Richard A. Barasch
                                             Chief Executive Officer

Date: May 10, 2005                           /s/ Robert A. Waegelein
                                             -----------------------

                                             Robert A. Waegelein
                                             Chief Financial Officer

      A signed original of this written statement required by Rule 13a-14(b) of
the Securities Exchange Act of 1934 and 18 U.S.C. Section 1350 has been provided
to the Registrant and will be retained by the Registrant and furnished to the
Securities and Exchange Commission or its staff upon request.

      This certification accompanies the Report pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, and shall not be deemed filed with the Securities
and Exchange Commission and is not to be incorporated by reference into any
filing of the Registrant under the Securities Act of 1933 or the Securities
Exchange Act of 1934 (whether made before or after the date of the Form 10-Q),
irrespective of any general incorporation language contained in such filing.

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