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EXHIBIT 23.1
Consent of Independent Auditors
We consent to the reference to our firm under the caption "Experts" in the
Registration Statement (Form S-2) and related Prospectus of Universal American
Financial Corp. and subsidiaries for the registration of 1,486,730 shares of its
common stock and to the incorporation by reference therein of our report dated
March 6, 2000, with respect to the consolidated financial statements and
schedules of Universal American Financial Corp. and subsidiaries included in its
Annual Report (Form 10-K) for the year ended December 31, 1999, filed with the
Securities and Exchange Commission.
ERNST & YOUNG LLP
New York, New York
July 12, 2000
