EXHIBIT 23.1



               CONSENT OF ERNST & YOUNG LLP, INDEPENDENT AUDITORS

We consent to the incorporation by reference in the Registration Statements
pertaining to the Healthaxis Inc. 2000 Stock Option Plan (Form S-8 No.
333-54690), Provident American Corporation Stock Option Plan For Directors,
Provident American Corporation 1996 Employee Incentive Stock Option Plan,
Provident American Corporation 1996 Incentive Stock Option Plan For Life And
Health Insurance Agents (Form S-8 No. 333-15997), The Provident Military Market
Stock Option Plan (Form S-8 No. 333-71223), Provident American Corporation
Amended And Restated Stock Option Plan For Directors (Form S-8 No. 333-83091),
Pre-Effective Amendment No. One To Form S-3 (File No. 333-33842) and the
Registration Statement pertaining to the Healthaxis.com, Inc. Amended and
Restated 1998 Stock Option Plan and the Insurdata Incorporated 1999 Stock Option
Plan (Post-Effective Amendment No. 1 on Form S-8 to Form S-4 No. 333-30256) of
our report dated February 26, 2002, except for Notes 26 and 27, as to which the
date is June 11, 2002 relating to the consolidated financial statements of
Healthaxis Inc. as of and for the year ended December 31, 2001 included in its
Current Report on Form 8-K dated August 29, 2002, filed with the Securities and
Exchange Commission.


                                       /s/ ERNST & YOUNG LLP


Dallas, Texas
August 29, 2002