MIDWEST MEDICAL INSURANCE HOLDING CO
SC TO-I/A, EX-99.7, 2000-05-31
FIRE, MARINE & CASUALTY INSURANCE
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<PAGE>   1

                                                                       EXHIBIT 7

                         CONSENT OF INDEPENDENT AUDITOR


     We consent to the incorporation by reference in Amendment No. 3 to Schedule
TO (dated May 31, 2000) of our report dated February 1, 2000, with respect to
the consolidated financial statements and schedules of Midwest Medical Insurance
Holding Company and Subsidiaries included in its Annual Report (Form 10-K) for
the year ended December 31, 1999, filed with the Securities and Exchange
Commission.


/s/ Ernst & Young LLP
Minneapolis, Minnesota

May 31, 2000



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