UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 20549


                                    FORM 8-K


                             CURRENT REPORT Pursuant
                          to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934


       Date of report (Date of earliest event reported): November 11, 2004
                                                         -----------------------

                                 Healthaxis Inc.
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             (Exact Name of Registrant as Specified in Its Charter)

                                  Pennsylvania
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                 (State or Other Jurisdiction of Incorporation)

           0-13591                                    23-2214195
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   (Commission File Number)                 (IRS Employer Identification No.)


5215 N. O'Connor Blvd., 800 Central Tower, Irving, Texas            75039
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     (Address of Principal Executive Offices)                     (Zip Code)


                                 (972) 443-5000
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              (Registrant's Telephone Number, Including Area Code)


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          (Former Name or Former Address, if Changed Since Last Report)

     Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

     |_| Written communications pursuant to Rule 425 under the Securities Act
(17 CFR 230.425)

     |_| Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17
CFR 240.14a-12)

     |_| Pre-commencement communications pursuant to Rule 14d-2(b) under the
Exchange Act (17 CFR 240.14d-2(b))

     |_| Pre-commencement communications pursuant to Rule 13e-4(c) under the
Exchange Act (17 CFR 240.13e-4(c))





Item 2.02  Results of Operations and Financial Condition
The following information, including the Exhibit to this Form 8-K, is being
furnished pursuant to Item 2.02 - Results of Operations and Financial Condition
of Form 8-K. This information is not deemed to be "filed" for the purposes of
Section 18 of the Securities Exchange Act of 1934 and is not incorporated by
reference into any Securities Act registration statements.

On November 11, 2004, Healthaxis Inc. issued a press release, a copy of which is
attached hereto as Exhibit 99.1, announcing third quarter 2004 earnings.



ITEM 9.01  FINANCIAL STATEMENTS AND EXHIBITS.

(c)  Exhibits.

Press release dated November 11, 2004



SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

Date: November 11, 2004

                                                 HEALTHAXIS INC.

                                                 By: /s/ JIMMY D. TAYLOR
                                                     -------------------
                                                         Jimmy D. Taylor
                                                         Chief Financial Officer


EXHIBIT INDEX

EXHIBIT NUMBER     DESCRIPTION
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    99.1           Copy of Healthaxis Inc. press release dated November 11, 2004