8-K

                                UNITED STATES
                      SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C. 20549


                                   FORM 8-K

                                CURRENT REPORT
    Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) December 2, 2004
                                                (December 1, 2004)

                     AMERICAN MEDICAL SECURITY GROUP, INC.
            -----------------------------------------------------
            (Exact name of registrant as specified in its charter)


             Wisconsin                 1-13154              39-1431799
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  (State or other jurisdiction of    (Commission            (IRS Employer
           incorporation)            File Number)        Identification No.)


                3100 AMS Boulevard
                Green Bay, Wisconsin                            54313
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                (Address of principal executive offices)      (Zip Code)


      Registrant's telephone number, including area code   (920) 661-1111
                                                         -------------------


- ----------------------------------------------------------------------------
        (Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of
the following provisions (see General Instruction A.2. below):

[ ] Written communications pursuant to Rule 425 under the Securities Act (17
    CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17
    CFR 240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
    Exchange Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
    Exchange Act (17 CFR 240.13e-4(c))






Item 8.01. Other Events.

         On December 2, 2004, American Medical Security Group, Inc. ("AMS")
issued a press release announcing that the shareholders of AMS approved AMS's
proposed merger with PacifiCare Health Systems, Inc. at a special meeting of
shareholders held on December 2, 2004. The press release also announced that
on December 1, 2004, the Office of the Commissioner of Insurance for the State
of Wisconsin issued an order approving the proposed merger. A copy of the
press release is filed as Exhibit 99 hereto and is incorporated herein by
reference.

Item 9.01.      Financial Statements and Exhibits.

       (c)      Exhibits

       99       Press Release issued on December 2, 2004








                                  SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                          AMERICAN MEDICAL SECURITY GROUP, INC.


                                          By:  /s/ Timothy J. Moore
                                            -------------------------------
                                          Name:   Timothy J. Moore
                                          Title:  Senior Vice President of
                                                  Corporate Affairs, General
                                                  Counsel and Secretary

Date:  December 2, 2004






                                 EXHIBIT INDEX

Exhibit No.                Document
- ----------                 --------


99                      Press Release issued on December 2, 2004

EX-99

                                                              [PACIFICARE LOGO]
[AMS LOGO]

For Immediate Release

News Release
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CONTACTS:

Cliff Bowers                     Dan Yarbrough              Tyler Mason
AMZ Investor/Media Relations     PHS Investor Relations     PHS Media Relations
Cliff.Bowers@eAMS.com            Dan.Yarbrough@phs.com      Tyler.Mason@phs.com
- ---------------------            ---------------------      -------------------
(920) 661-2766                   (714) 226-3540             (714) 226-3530

                  American Medical Security Group Shareholders
                         Approve Merger with PacifiCare

         GREEN BAY, Wis.- December 2, 2004 - Shareholders of American Medical
Security Group, Inc. (NYSE:AMZ) (AMS) today approved the company's proposed
merger with PacifiCare Health Systems, Inc. (NYSE:PHS).
         Approximately 61.4% of the shares of the company's common stock
outstanding at the close of business on the record date of October 27, 2004,
and entitled to vote at the special meeting of the company's shareholders held
today was cast in favor of approving the proposed merger. An affirmative vote
of the majority of these shares was required in order to approve the merger.
         The company expects the merger to be completed promptly after all
other closing conditions, including regulatory matters, are satisfied. On
December 1, 2004, the Office of the Commissioner of Insurance for the State of
Wisconsin issued an order approving the proposed merger.
         American Medical Security Group, through its operating subsidiaries,
markets health-care benefits and insurance products to small businesses,
families and individuals. Insurance products of American Medical Security Group
are underwritten by American Medical Security Life Insurance Company. AMS
serves customers nationwide through partnerships with professional, independent
agents and quality health care providers.
         PacifiCare Health Systems is one of the nation's largest consumer
health organizations with more than 3 million health plan members and
approximately 10 million specialty plan members nationwide. PacifiCare offers
individuals, employers and Medicare beneficiaries a variety of consumer-driven
health care and life insurance products. Currently, more than 99 percent of
PacifiCare's commercial health plan members are enrolled in plans that have
received Excellent Accreditation by the National Committee for Quality
Assurance (NCQA). PacifiCare's specialty operations include behavioral health,
dental and vision, and complete pharmacy and medical management through its
wholly owned subsidiary, Prescription Solutions. More information on PacifiCare
Health Systems is available at pacificare.com.

                                   # # # # #

Cautionary Statement: Some of the statements contained in this press release
concerning the proposed merger are "forward-looking" statements within the
meaning of the Private Securities Litigation Reform Act of 1995. Generally,
forward-looking statements express expectations for or about the future, rather
than historical fact. Forward-looking statements are subject to inherent risks
and uncertainties that may cause actual results or events to differ materially
from those contemplated by such statements. Such risks and uncertainties
include, among others, the timing (including any possible delays) and receipt
of regulatory approvals (including any conditions, limitations or restrictions
placed on these approvals) of the proposed merger, and the risk that one or
more governmental agencies may deny approval of the proposed merger; and other
factors that may be referred to in the reports filed by AMS and PacifiCare with
the Securities and Exchange Commission from time to time. Forward-looking
statements made in this press release express expectations only as of the date
they are made. Neither AMS nor PacifiCare undertakes any obligation to update
or revise such statements as a result of new information or future events.