EXHIBIT 32


                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

         In connection with the Quarterly Report of American Medical Security
Group, Inc. (the "Company") on Form 10-Q for the period ended June 30, 2003 as
filed with the Securities and Exchange Commission on the date hereof (the
"Report"), I, Samuel V. Miller, Chief Executive Officer of the Company, and I,
John R. Lombardi, Chief Financial Officer of the Company, certify, pursuant to
18 U.S.C. Section1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley
Act of 2002, that to the best of my knowledge:

         (1) The Report fully complies with the requirements of Section 13(a) or
15(d) of the Securities Exchange Act of 1934; and

         (2) The information contained in the Report fairly presents, in all
material respects, the financial condition and results of operations of the
Company.

/S/ SAMUEL V. MILLER                            /S/ JOHN R. LOMBARDI
Samuel V. Miller                                John R. Lombardi
Chief Executive Officer                         Chief Financial Officer

August 13, 2003                                 August 13, 2003

This certification accompanies this Report pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002 and shall not be deemed filed by the Company for
purposes of Section 18 of the Securities Exchange Act of 1934, as amended.

A signed original of this written statement required by Section 906, or other
document authenticating, acknowledging, or otherwise adopting the signature that
appears in typed form within the electronic version of this written statement
required by Section 906, has been provided to the Company and will be retained
by the Company and furnished to the Securities and Exchange Commission or its
staff upon request.