EXHIBIT 99

[American Medical Security Group LOGO]                           P. O. Box 19032
                                                       Green Bay, WI  54307-9032

[        News Release      ]                       For more information contact:
[    for Immediate Release ]                                        Cliff Bowers
                                                                  Vice President
                                                        Corporate Communications
                                                                   (920)661-2766


       American Medical Security Receives Positive Appeals Court Decision


     GREEN BAY,  Wis.,  -- April 24, 2003 -- American  Medical  Security  Group,
Inc.,  (NYSE:  AMZ) (AMS) today announced that Florida's First District Court of
Appeals  has  affirmed  that AMS  violated  no Florida  laws  through its rating
practices.

     The matter  stems  from a May 2001  complaint  challenging  certain of AMS'
rating and other  practices in Florida.  In April 2002,  an  administrative  law
judge found in favor of AMS on all issues and recommended that all counts of the
complaint  be  dismissed.

     In  July  2002,   the  Florida   Department   of  Insurance   affirmed  the
recommendations of the judge with respect to six of eight counts.  However,  the
Department  reversed  the  judge's  findings  on  two  counts  and  ordered  the
suspension  of the  company's  license for one year.  The  suspension  order was
stayed by the Court of Appeals at the company's  request until the completion of
the appeal.

     The decision by Appeals Court reverses the  suspension  order and reaffirms
the  administrative  law judge's  original  opinion  that AMS' rating  practices
violated no Florida laws.

                                      More






                                     Ad One

     "This is important news for AMS in two regards," said Samuel V. Miller, AMS
Chairman, President & Chief Executive Officer. "First, the decision supports our
firm  belief  that we are and  have  been  operating  lawfully  in  Florida  and
everywhere we do business.  Second,  Florida is an important  market for us. The
court's  opinion  should serve as validation for our customers and agents of our
continuing  viability and vitality in that state."

     According  to the  company,  a separate  class  action  lawsuit  awaiting a
hearing on damages in Florida is based on  substantially  similar points of law.
However, the Appeals Court action has no direct impact on the class action suit.

     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 United Wisconsin Life Insurance Company.  The company serves
customers nationwide through partnerships with professional,  independent agents
and quality  health care  providers.  It provided  health  coverage  for 571,461
members as of December 31, 2002.


                                    # # # # #