Exhibit 31.2

CERTIFICATION
OF CHIEF FINANCIAL OFFICER PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I,
Jimmy D. Taylor, certify that:

|1. |  | I
have  reviewed this  quarterly  report on Form 10-Q  of Healthaxis Inc.;
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|2. |  | Based
on my  knowledge,  this report does not contain  any untrue  statement  of a material
fact or omit to  state  a  material  fact  necessary  to  make  the  statements  made,
in  light  of  the  circumstances  under  which  such  statements  were  made,  not
misleading  with  respect  to the  period  covered by  this report;
|-- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|3. |  | Based
on my  knowledge,  the  financial  statements,  and  other  financial  information
included  in this  report,  fairly present in all material  respects the  financial
condition,  results of operations and cash  flows of the  registrant  as of, and for, the
periods  presented in this report;
|-- |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|4. |  | The
registrants  other  certifying  officer(s) and I  are  responsible  for
establishing  and  maintaining  disclosure  controls  and  procedures  (as defined in
Exchange Act Rules  13a-15(e) and  15d-15(e)) for the  registrant and have:
|-- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | a) |  | Designed
such  disclosure  controls  and  procedures,  or  caused  such  disclosure  controls  and
procedures  to  be  designed  under  our  supervision,  to  ensure  that  material
information  relating  to  the  registrant,  including  its  consolidated  subsidiaries,
is  made  known  to  us  by  others within those  entities,  particularly  during the
period in which  this  report is  being prepared;
| | -- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | b) |  | Evaluated
the  effectiveness  of  the  registrants  disclosure  controls  and  procedures
and  presented  in  this  report  our conclusions  about the  effectiveness of  the
disclosure  controls and procedures,  as  of the  end of the  period  covered  by this
report based on such evaluation; and
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| | c) |  | Disclosed
in this  report any change in the  registrants  internal  control  over  financial
reporting  that  occurred  during  the  registrants  most  recent  fiscal  quarter
(the  registrants  fourth  fiscal  quarter  in the  case of an  annual  report)
that  has  materially  affected,  or  is  reasonably  likely  to  materially  affect,
the  registrants  internal  control  over  financial reporting; and
| | -- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|5. |  | The
registrants  other  certifying  officer(s) and I  have disclosed,  based on our
most recent  evaluation  of internal  control  over  financial  reporting,  to  the
registrants  auditors  and the audit  committee  of the  registrants  board
of directors  (or persons  performing the equivalent functions):
|-- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | a) |  | All
significant  deficiencies  and  material  weaknesses  in  the  design  or  operation  of
internal control over financial  reporting which  are  reasonably  likely to adversely
affect the  registrants  ability  to  record,  process,  summarize and report
financial information; and
| | -- |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | b) |  | Any
fraud,  whether or not  material,  that  involves  management  or  other  employees  who
have  a  significant  role in the  registrants  internal  control over financial
reporting.
| | -- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Date:  August
15, 2005

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

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