EXHIBIT 23.1

                         CONSENT OF 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), 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) and
the Registration Statement on Form S-3 (File No. 333-98951) and the related
Prospectus for the registration of 14,500,000 shares of its common stock of our
report dated March 3, 2003, relating to the consolidated financial statements of
Healthaxis Inc. appearing in the Company's Annual Report on Form 10-K for the
year ended December 31, 2002 filed with the Securities and Exchange Commission.



                                                          /s/ Ernst & Young LLP
Dallas, Texas
March 21, 2003