Exhibit 23.1




CONSENT OF INDEPENDENT AUDITORS


We  consent  to the  incorporation  by  reference  in the Form S-8  Registration
Statement pertaining to the Retirement Savings Plan of American Medical Security
Group,  Inc.  (f/k/a  United  Wisconsin  Services,  Inc.),  of our report  dated
February 5, 1999,  with respect to the  consolidated  financial  statements  and
schedules of American Medical Security Group, Inc. included in its Annual Report
on Form 10-K for the year ended December 31, 1998, filed with the Securities and
Exchange Commission.


                                          /s/ ERNST & YOUNG LLP

April 1, 1999
Milwaukee, Wisconsin