Exhibit 23.1

Consent of Independent Accountants

     We consent to the incorporation by reference in the Registration Statement
on Form S-8 pertaining to the Equity Incentive Plan of United Wisconsin
Services, Inc., of our reports dated February 9, 1995, with respect to the
consolidated financial statements of United Wisconsin Services, Inc.,
incorporated by reference in its Annual Report on Form 10-K for the year ended
December 31, 1995 and the related financial statement schedules included
therein, filed with the Securities and Exchange Commission.

                                             Ernst & Young LLP




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