A multi-function health monitor is capable of performing a resting 12-lead ECG test, an ECG stress test, a 24-hour Holter monitor evaluation and or a 30-day MCT monitoring. Using only 3 electrodes, the multifunction health monitor derives 6 channels (Limb leads & Augmented leads) of data with the noise cancellation (ground) effect of a virtual dynamic RL electrode. An electrode resistivity measurement system quantifies and may compensate for increasing resistance the electrodes and the patient that results from the length of time the electrodes are installed on a patient.