UNIVERSAL AMERICAN FINANCIAL CORP. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

16. CONDENSED QUARTERLY RESULTS OF OPERATIONS (UNAUDITED):

The quarterly results of operations for the three years ended December 31, 2000 are presented below. Due to the use of weighted average shares outstanding when determining the denominator for earnings per share, the sum of the quarterly per common share amounts may not equal the per common share amounts for the twelve months ended December 31, 2000.

             2000                                       Three Months Ended              
                                        March 31,  June 30,  September 30,  December 31,
                                                          (In thousands)
Total revenue                           $ 70,770   $ 71,826      $ 71,469      $ 70,026
Total benefits, claims & other expenses   61,956     62,990        63,203        62,876 
Operating income (loss) before
   income taxes                            8,814      8,836         8,266         7,150
Federal income tax expense                 3,155      3,207         2,853           966 
Net income applicable to common
   shareholders                         $  5,659   $  5,629      $  5,413      $  6,184 
Basic earnings per share                $   0.12   $   0.12      $   0.12      $   0.13 
Diluted earnings per share              $   0.12   $   0.12      $   0.12      $   0.13 


             1999                                       Three Months Ended              
                                        March 31,  June 30,  September 30,  December 31,
                                                          (In thousands)
Total revenue                           $ 13,850  $ 14,713       $ 50,188      $ 69,385
Total benefits, claims & other expenses   12,783    13,640         45,002        60,655 
Operating income (loss) before
   income taxes                            1,067     1,073          5,186         8,730
Federal income tax expense                   356       371          1,953         3,563 
Net Income                                   711       702          3,233         5,167
Redemption accrual on Series C
   Preferred Stock                           180         -              -             - 
Net income applicable to common
   shareholders                         $    531  $    702       $  3,233      $  5,167 
Basic earnings per share                $   0.07  $   0.07       $   0.10      $   0.12 
Diluted earnings per share              $   0.05  $   0.05       $   0.09      $   0.11 


             1998                                       Three Months Ended              
                                        March 31,  June 30,  September 30,  December 31,
                                                          (In thousands)
Total revenue                           $ 13,815  $ 14,331       $ 14,068      $ 13,875
Total benefits, claims & other expenses   13,040    13,071         13,050        12,996 
Operating income (loss) before
   income taxes                              775     1,260          1,018           879
Federal income tax expense                   242       450            346           286 
Net Income                                   533       810            672           593
Redemption accrual on Series C
   Preferred Stock                           108       109            108           109 
Net income applicable to common
   shareholders                         $    425  $    701       $    564      $    484 
Basic earnings per share                $   0.06  $   0.09       $   0.07      $   0.07 
Diluted earnings per share              $   0.04  $   0.06       $   0.05      $   0.05