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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-8) pertaining to the UICI Employee Stock
Ownership and Savings Plan and to the incorporation by reference therein of our
report dated April 4, 2000, with respect to the consolidated financial
statements and schedules of UICI included in its Annual Report (Form 10-K) for
the year ended December 31, 1999, filed with the Securities and Exchange
Commission.
/s/ ERNST & YOUNG LLP
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ERNST & YOUNG LLP
Dallas, Texas
August 9, 2000
