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 and S-8 No. 333-91360)
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 29, 2003, 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, 2002.




                                                     ERNST & YOUNG LLP

Milwaukee, Wisconsin
March 14, 2003