EXHIBIT 23.2


                CONSENT OF BDO SEIDMAN, 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 March 16, 2001, except for Note 27 as to which the date is June
11, 2002 relating to the consolidated financial statements of Healthaxis Inc.
appearing in the Company's Current Report on Form 8-K dated August 29, 2002,
filed with the Securities and Exchange Commission. We also consent to the
reference to us under the caption "Experts" in the Prospectus included in the
Registration Statement on Form S-3.


                                                /s/ BDO Seidman, LLP


Dallas, Texas
August 29, 2002