Exhibit 10.7.2

       AMENDMENT TO TEMPORARY BLUE SHIELD LICENSE AGREEMENT


   Blue Cross and Blue Shield Association ("BCBSA") and the Blue

Shield Plan, known as Blue Cross and Blue Shield of Missouri (the

"Plan'), hereby agree to amend the Temporary Blue Shield License

Agreement dated February 7, 1997 between them by adding the

following as paragraph 7:

     "7.  In the event that this Temporary License terminates by

reason of paragraph 5(i), the Temporary Blue Shield License

Agreement attached hereto as Exhibit B shall immediately and

automatically take effect."

IN WITNESS WHEREOF, the parties have caused this Amendment to the

Temporary Blue Shield License Agreement to be executed, effective

as of the date of the last signature written below:

BLUE CROSS AND BLUE SHIELD ASSOCIATION

By:     /s/ Patrick G. Hays

Title:  President & CEO

Date:   October 24, 1997

BLUE CROSS AND BLUE SHIELD OF MISSOURI

By:     /s/ John O'Rourke

Title:  President & Chief Executive Officer

Date:   October 20, 1997

EXHIBIT B

TEMPORARY BLUE SHIELD LICENSE AGREEMENT

          This agreement is by and between Blue Cross and Blue
Shield Association ("BCBSA") and the Blue Shield Plan, known as
Blue Cross and Blue Shield of Missouri (the "Plan").

Preamble

          WHEREAS, BCBSA is the owner of the BLUE SHIELD and the
BLUE SHIELD Design service marks (collectively the "Licensed
Marks");

          WHEREAS, the Plan has had the right to use the Licensed
Marks as service marks for health care plans in its service area
and the right to use BLUE SHIELD in its trade and/or corporate
name (the "Licensed Name");

          WHEREAS, BCBSA informed the Plan that the Plan's Blue
Shield License Agreement automatically terminated as a result of
claims made in certain litigation (the "Litigation") pending
among and between the Plan; Jay Angoff in his official capacity
as Director of the Missouri Department of Insurance; and Jeremiah
"Jay" Nixon, in his official capacity as the Attorney General of
the State of Missouri (the "Automatic Termination");

          WHEREAS, the Plan has told BCBSA that (i) the Plan
believes that the Litigation has not triggered the automatic
termination provisions of the Plan's Blue Shield License
Agreement and it contends that its Blue Shield License Agreement
remains in full force and effect: and (ii) to clarify its right
to continue to use the Licensed Marks and Licensed Name, the Plan
wishes to receive, and is willing to accept benefits and rights
under, this Temporary Blue Shield License Agreement;

          WHEREAS, the Plan has been operating under a temporary
Blue Shield license,

          WHEREAS, BCBSA has determined that it is in the best
interest of the Licensed Marks, BCBSA, and its member Plans to
grant the Plan this new temporary Blue Shield license;

          NOW THEREFORE, in consideration of the foregoing and
the mutual agreements hereinafter set forth and for other good
and valuable consideration, the receipt and sufficiency of which
are hereby acknowledged, the parties agree as follows:

                          Agreement

1.    BCBSA grants the Plan the temporary right to use the
Licensed Name in its trade and/or corporate name and the temporary
right to use the Licensed Marks in the sale, marketing, and
administration of health care plans and related services in its
licensed service area under the terms and conditions of this
Temporary Blue Shield License Agreement ("Temporary License").
This Temporary License shall incorporate the terms, covenants,
conditions, and licensed service area of the Plan's Blue Shield
License Agreement (the "Full License"), a copy of which is
attached as Exhibit A, provided that paragraphs one through seven
of this Temporary License shall control to the extent they
conflict with any terms, conditions, or covenants of the Full
License.  The terms "Agreement" and "License Agreement" as used
in the Full License shall be construed to include this Temporary
License.

2.   This Temporary License supersedes and replaces in its
entirety the Plan's previous temporary license, which is
canceled.

3.   So long as the Plan remains a licensee pursuant to any Blue
Shield license, the Plan shall not bring any claims, causes of
action, actions, suits, or demands whatsoever against BCBSA or
any of its Member Plans, whether at law or equity, whether in
judicial, arbitrage, or alternative fora, and whether known or
unknown, that the Plan now has or may have had on behalf of
itself or any other person or entity at any time prior to and
including the date of this Temporary License, or hereafter shall
or may have or claim to have, arising out of or in any way
related to the Automatic Termination or any actions contemplated
or taken herein or related thereto.

4.   The Plan covenants and warrants that during the term of this
Temporary License: (i) apart from the Litigation, it is in
compliance with all, and has no plans to engage in conduct that
would violate any, BCBSA rules and regulations, including all
provisions of this Temporary License; and (ii) there is no imminent
risk of dissolution of the Plan or of the appointment of a trustee,
interim trustee, receiver, or other custodian for any of the
Plan's business or property.  If BCBSA in good faith determines
that there is an unacceptable risk of dissolution of the Plan or
of the appointment of a trustee, interim trustee, receiver, or
other custodian for any of the Plan's business or property,
BCBSA, upon reasonable notice and after affording the Plan an
opportunity to be heard, may terminate this Temporary License
pursuant to a vote of the BCBSA Board of Directors.

5.   During the term of this Temporary License, the Plan shall
provide to BCBSA's General Counsel: (i) reasonable notice of all
court hearings in the Litigation; (ii) copies of all documents
filed by any party in the Litigation; and (iii) written reports
on the status of the Litigation.  Both the frequency and content
of these written reports shall be determined by BCBSA's General
Counsel.  The Plan shall also provide BCBSA's General Counsel
with such other information about the Litigation as he may
reasonably request.

6.   The provisions of paragraph 15(d)(i) of the Full License
related to notice to customers, and the provisions of paragraph 1
5(d)(iii) of the Full License related to the re-establishment
fee, shall not apply as to the Automatic Termination or to the
termination of the Plan's previous temporary license so long as
the Plan remains a licensee pursuant to any Blue Shield license.

7.   If not previously terminated, this Temporary License shall
automatically terminate at the conclusion of the next meeting of
the BCBSA Board of Directors that takes place more than fourteen
(14) days after the effective date of this Temporary License.
All provisions for termination of this Temporary License that
require a vote of the BCBSA Board of Directors shall be as
prescribed in Article VI, Section 5 of the BCBSA Bylaws in effect
as of the effective date of this Temporary License. -This
paragraph shall constitute notice that this Temporary License
will terminate at the conclusion of the next meeting of the BCBSA
Board of Directors that takes place more than fourteen (1 4) days
after the effective date of this Temporary License.

IN WITNESS WHEREOF, the parties have caused this Temporary Blue
Shield License Agreement to be executed.


BLUE CROSS AND BLUE SHIELD ASSOCIATION

By:     /s/ Patrick G. Hays

Title:  President and CEO

Date:   October 24, 1997

BLUE CROSS AND BLUE SHIELD OF MISSOURI

By:     /s/ John O'Rourke

Title:  President and Chief Executive Officer

Date:   October 20, 1997