EXHIBIT 23



CONSENT OF INDEPENDENT AUDITORS



         We consent to the incorporation by reference in the Registration
Statement (Form S-8 No. 333-75477) pertaining to the Retirement Savings Plan,
the Registration Statement (Form S-8 No. 333-21857) pertaining to the Equity
Incentive Plan and the Registration Statement (Form S-8 No. 333-22673)
pertaining to the 1995 Director Stock Option Plan, of our report dated January
31, 2002, with respect to the consolidated financial statements and schedules of
American Medical Security Group, Inc. included in the Annual Report (Form 10-K)
for the year ended December 31, 2001.




                                                     ERNST & YOUNG LLP

Milwaukee, Wisconsin
March 6, 2002