Exhibit
  31.2

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

| | I,
Ronald K. Herbert, 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;
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|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;
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|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:
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| | 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;
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| | 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
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|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):
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| | 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
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| | 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.
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Date:
  November 13, 2006

|By: | /s/ Ronald
      K. Herbert | 
|--- | --------------------------- | 
|    |                             | 
|    | Ronald K. Herbert           | 
|    | Chief Financial Officer     |