-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 GMIoIcCvgxzevVVlJ04dMoANAEmLnNiLZDAPTHj+elywf5aX1EK26mz0Daxc9Pgy
 WOgRVBafHRucgjy66y2Trg==

<SEC-DOCUMENT>0000904454-08-000102.txt : 20080307
<SEC-HEADER>0000904454-08-000102.hdr.sgml : 20080307
<ACCEPTANCE-DATETIME>20080307182508
ACCESSION NUMBER:		0000904454-08-000102
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20080305
FILED AS OF DATE:		20080307
DATE AS OF CHANGE:		20080307

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			UNIVERSAL AMERICAN FINANCIAL CORP
		CENTRAL INDEX KEY:			0000709878
		STANDARD INDUSTRIAL CLASSIFICATION:	HOSPITAL & MEDICAL SERVICE PLANS [6324]
		IRS NUMBER:				112580136
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		SIX INTERNATIONAL DRIVE
		STREET 2:		SUITE 190
		CITY:			RYE BROOK
		STATE:			NY
		ZIP:			10573-1068
		BUSINESS PHONE:		9149345200X319

	MAIL ADDRESS:	
		STREET 1:		SIX INTERNATIONAL DRIVE
		STREET 2:		SUITE 190
		CITY:			RYE BROOK
		STATE:			NY
		ZIP:			10573-1068

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	UNIVERSAL HOLDING CORP
		DATE OF NAME CHANGE:	19920703

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			WCAS MANAGEMENT CORP
		CENTRAL INDEX KEY:			0001212983

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-08506
		FILM NUMBER:		08675489

	BUSINESS ADDRESS:	
		STREET 1:		320 PARK AVENUE STE 2500
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10022
		BUSINESS PHONE:		2128939500

	MAIL ADDRESS:	
		STREET 1:		320 PARK AVENUE STE 2500
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10022
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>edgar.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2008-03-05</periodOfReport>

    <issuer>
        <issuerCik>0000709878</issuerCik>
        <issuerName>UNIVERSAL AMERICAN FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>UAM</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001212983</rptOwnerCik>
            <rptOwnerName>WCAS MANAGEMENT CORP</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O WELSH, CARSON, ANDERSON &amp; STOWE</rptOwnerStreet1>
            <rptOwnerStreet2>320 PARK AVENUE, SUITE 2500</rptOwnerStreet2>
            <rptOwnerCity>NEW YORK</rptOwnerCity>
            <rptOwnerState>NY</rptOwnerState>
            <rptOwnerZipCode>10022</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>1</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2008-03-05</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>J</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
                <footnoteId id="F1"/>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>2494</value>
                </transactionShares>
                <transactionPricePerShare>
                    <footnoteId id="F1"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>14943</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value></value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">Shares to be returned by the Reporting Person to the Issuer pursuant to the terms of a Settlement Agreement dated as of March 5, 2008 by and among the Issuer, Welsh, Carson, Anderson &amp; Stowe IX, L.P., as shareholder representative on behalf of the Reporting Person and certain other persons, and the other parties thereto.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>/s/David Mintz, Attorney-in-Fact</signatureName>
        <signatureDate>2008-03-07</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----