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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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 wuuxLfGxSnmhhQvNkM8paA==

<SEC-DOCUMENT>0000904454-08-000112.txt : 20080307
<SEC-HEADER>0000904454-08-000112.hdr.sgml : 20080307
<ACCEPTANCE-DATETIME>20080307184743
ACCESSION NUMBER:		0000904454-08-000112
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20080305
FILED AS OF DATE:		20080307
DATE AS OF CHANGE:		20080307

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			ANDERSON BRUCE K
		CENTRAL INDEX KEY:			0001212987

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-08506
		FILM NUMBER:		08675539

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		2128939500

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

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
</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>0001212987</rptOwnerCik>
            <rptOwnerName>ANDERSON BRUCE K</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>1179008</value>
                </transactionShares>
                <transactionPricePerShare>
                    <footnoteId id="F1"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>7065617</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By Welsh, Carson, Anderson &amp; Stowe IX, L.P.</value>
                    <footnoteId id="F2"/>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <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>3366</value>
                </transactionShares>
                <transactionPricePerShare>
                    <footnoteId id="F1"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>20174</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                    <footnoteId id="F3"/>
                </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>
        <footnote id="F2">The Reporting Person is a managing member of the sole general partner of Welsh, Carson, Anderson &amp; Stowe IX, L.P.  Pursuant to Instruction (4)(b)(iv) of Form 4, the Reporting Person has elected to report as indirectly beneficially owned the entire number of securities beneficially owned by such entity.  The Reporting Person disclaims beneficial ownership of any securities, and any proceeds thereof, that exceed his pecuniary interest therein and/or that are not actually distributed to him.</footnote>
        <footnote id="F3">The Reporting Person also indirectly beneficially owns 2,083,500 shares of Common Stock held by Welsh, Carson, Anderson &amp; Stowe X, L.P.  The Reporting Person is a managing member of the sole general partner of Welsh, Carson, Anderson &amp; Stowe X, L.P.  Pursuant to Instruction (4)(b)(iv) of Form 4, the Reporting Person has elected to report as indirectly beneficially owned the entire number of securities beneficially owned by such entity.  The Reporting Person disclaims beneficial ownership of any securities, and any proceeds thereof, that exceed his pecuniary interest therein and/or that are not actually distributed to him.</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>
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