Document:

(Exhibit 10.18)
                         EXECUTIVE EMPLOYMENT AGREEMENT

     EXECUTIVE EMPLOYMENT AGREEMENT, dated as of February 11, 2000, (the
"Agreement") by and between Medix Resources, Inc., a Colorado corporation with
its principal offices located at Suite 301, 7100 E. Belleview Ave, Englewood,
Colorado. ("the Company") and Michael G. Knepper (the "Executive").

     NOW THEREFORE, in consideration of the foregoing premises and mutual
covenants herein contained, the parties hereto agree as follows:

     1. Employment. The Company agrees to employ the Executive and the
Executive agrees to serve the Company as its Senior Vice President and Managing
Director for Mergers and Acquisitions.

     2. Responsibilities and Supervision. The Executive shall devote all of his
business time and attention to the affairs of the Company and its affiliated
companies. The Executive shall be responsible for the identification of
businesses that may be candidates to be acquired by the Company, the
negotiations of any such transactions that may be authorized by the Company's
Board of Directors, and such other projects that may be assigned to the
Executive by the Company's Chief Executive Officer or the Company's Board of
Directors, in each case subject to the general direction, approval and
supervision of the Company's Chief Executive Officer and Board of Directors, and
to the restrictions, limitations and guidelines set forth by the Board of
Directors in resolutions adopted in the minutes of the Board of Directors
meetings, copies of which shall be provided to the Executive from time to time.
In the performance of his duties, the Executive shall maintain an office at 305
Madison Avenue New York, NY 10165. The terms "affiliate of" a company or
"affiliated company" as used herein means any company directly or indirectly
controlling, controlled by or under common control with the other company. A
presumption of control shall exist for any person owning or controlling 10% or
more of the outstanding voting securities of a company, and any officer,
director or general partner of a company.

     3. Term of Employment. The period of the Executive's employment under this
Agreement shall begin on March 1, 2000, and be for a 2-year period ending
February 28, 2002, subject to the termination provisions set forth in Paragraphs
10, 11, and 12 hereunder.

     4. Duties. During the period of his employment hereunder and except for
illness, specified vacation periods and reasonable leaves of absence, the
Executive shall devote his best efforts and all his business time, attention and
skill to the business and affairs of the Company and its affiliated companies,
as such business and affairs now exist and as they may be hereinafter changed or
added to, provided, however, that, with approval of the Board of Directors of
the Company, the Executive may serve, on the board of directors of, or hold any
other offices or positions in, companies or organizations which, in such Board's
judgment, will not present any conflict of interest with the Company or any of
its subsidiaries or affiliates or divisions, or materially affect the
performance of Executive's duties pursuant to this Agreement; and further
provided that the outside business is not a "Business Opportunity" of the
Company, as defined herein. A Business Opportunity of the Company shall be a
product, service, investment, venture or other opportunity, which is either: (a)
Directly related to or within the scope of the existing business of the Company;
or (b) Within the logical scope of the business of the Company, as such scope
may be expanded or altered from time-to-time by the Board of Directors.

     5. Compensation. The Company shall pay to the Executive as compensation
for his services, the base salary of $175,000 per year or such higher salary as
from time-to-time may be approved by the Board of Directors, payable bi-monthly
in accordance with the Company's normal payroll procedures.

     As additional compensation hereunder, upon the execution of this
Agreement, the Company will grant to the Executive 400,000 options to purchase
common stock of the Company under the Company's 1999 Stock Option Plan, at an
exercise price of $ 3.97. Such options are intended to be classified as
incentive stock options for tax purposes, and shall vest and expire as provided
on Exhibit A attached hereto. Terms of the Stock Option grant will be set forth
in a Stock Option Agreement in the form used pursuant to such Plan.

     6. Expense Reimbursement. The Company will reimburse the Executive for all
reasonable and necessary expenses incurred by him in carrying out his duties
under this Agreement, including entertainment, travel and lodging costs. The
Executive shall present to the Chief Executive Officer each month an itemized
account of such expenses in such form as is required by the Company's accounting
policies.

     7. Medical Coverage and Other Employee Benefits. The Executive will be
eligible to participate in the Company's current standard benefits package,
which provides health insurance with limited Company payments, long term
disability, limited sick time accrual, paid holidays, 401(k) Plan participation
when eligible and term life insurance at Executive's cost, on the same basis as
other Executives of the Company.

     8. Vacation Time. The Executive shall be entitled to take four (4) weeks
paid vacation per calendar year, which, however shall vest at the rate of one
(1) week per full calendar quarter worked hereunder. Such vacation may not be
taken in any greater than consecutive two (2) week increments. Vacation time not
used by the Executive during the calendar year will be forfeited. Compensation
for annual vacation time vested but not taken by Executive shall be paid to the
Executive at the date of termination.

      9.   Obligations of Executive During and After Employment.

     (a) The Executive agrees that during the terms of his employment under this
Agreement or while receiving compensation under this Agreement, he will engage
in no other business activities directly or indirectly, which are or may be
competitive with or which might place him in a competing position to that of the
Company, or any affiliated company.

     (b) The Executive realizes that during the course of his employment,
Executive will have produced and/or have access to confidential business plans,
information, business opportunity records, notebooks, data, formula,
specifications, trade secrets, customer lists, account lists and secret
inventions and processes of the Company and its affiliated companies. Therefore,
during his employment by the Company or by an affiliated company or while
receiving compensation under this Agreement, the Executive agrees to hold in
confidence and not to directly or indirectly disclose or use or copy or make
lists of any such information, except to the extent authorized by the Chief
Executive Officer of the Company in writing. All records, files, business plans,
documents, equipment and the like, or copies thereof, including copies on
Company computers, relating to Company's business, or the business of an
affiliated company, which Executive shall prepare, or use, or come into contact
with, shall remain the sole property of the Company, or of an affiliated
company, and shall not be removed from the Company's or the affiliated company's
premises without the written consent of the Chief Executive Officer, and shall
be promptly returned to the Company upon termination of employment with the
Company and its affiliated companies. The Executive further agrees that after
the term of his employment, he will not disclose or make use of any proprietary
information owned by the Company or necessary in the operation of the Company's
products or products under development.

     (c) Because of his employment by the Company, Executive will have access to
trade secrets and confidential information about the Company, its business plan,
its business opportunities, and its expansion plans into other geographical
areas and its methods of doing business. Executive agrees that for a period of
one (1) year after termination of his employment, he will not, directly or
indirectly compete with the Company in a business that is a "Business
Opportunity" of the Company or defined in Section 4 above.

     (d) In the event a court of competent jurisdiction finds any provision of
this Section 9 to be so over broad as to be unenforceable, then such provision
shall be reduced in scope by the court, but only to the extent deemed necessary
by the court to render the provision reasonable and enforceable, it being the
Executive's intention to provide the Company with the broadest protection
possible against harmful competition. (e) Irreparable harm should be presumed if
any provision of this Section 9 is breached in any way. Damages would be
difficult if not impossible to ascertain, and the faithful observance of all
terms of such Section is an essential condition of employment with the Company.
In light of these considerations, Executive acknowledges that a court of
competent jurisdiction should immediately enjoin any breach of this Agreement by
Executive, upon the Company's request and the Company is released from the
requirement of posting any bond in connection with temporary or interlocutory
injunctive relief, to the extent permitted by law. Nothing herein shall be
construed as prohibiting the Company from pursuing any other remedy available to
the Company for such breach or threatened breach including, but not limited to,
the recovery of damages from the Executive.

10.   Termination by the Company.

     (a) Termination for Cause by the Company. During the first year of the term
of this Agreement, there can be no termination of the Executive by the Company
except for "Termination for Cause" as outlined below:

     Notwithstanding anything herein to the contrary, the Company may, without
liability, terminate the Executive's employment hereunder for cause upon five
days written notice, and thereafter the Company's obligations hereunder shall
cease and terminate. Grounds for termination "for cause" shall be one or more of
the following:

          (1) A willful breach of duty by the Executive during the course of his
employment;

          (2) The conviction of the Executive of a felony;

          (3) Habitual neglect of duty by the Executive; The Executive's
material failure to perform or meet objective and measurable standards set by
the President and Chief Executive Officer and agreed upon by the Executive in
advance.

     (b) Termination Without Cause by the Company. After the completion of the
initial year of employment hereunder, the Company may terminate the employment
of the Executive upon thirty (30) days written notice without cause. In the
event of termination without cause, the Company will pay the Executive six (6)
months salary as compensation. In addition, at least three months prior to the
expiration of this contract, the Company will either notify the Executive in
writing that the contract will not be renewed or will commence good faith
negotiation to enter into a new or modified contract. However, failure to renew
the Executive's contract shall not be deemed to be "termination without cause"
hereunder.

     11. Termination by the Executive. The Executive, with or without cause, may
terminate this Agreement upon 90 days' written notice to the Company. In such
event, the Executive shall be required to render the services required under
this Agreement during such 90-day period, unless otherwise directed by the Board
of Directors. Executive will be compensated only through the final day of his
employment.

     12. Termination Upon Death of Executive. In addition to any other provision
relating to termination, this Agreement shall terminate upon the Executive's
death. Upon Executive's death, the Company shall pay in a lump sum, within 45
days of the Executive's death, to such person as the Executive shall have
designated to the Company as his beneficiary, or, if no such person is
designated, to the Executive's estate, an amount equal to all of the Executive's
accrued but unpaid base salary, the value on the Company's books of any vested
but unused vacation time and accrued sick time, and all unpaid expense
reimbursements at the time of Executive's death.

     13. Lump Sum Compensation. In the event of the occurrence of a "Triggering
Event," which shall be defined to include (i) change in ownership of 50% or more
of the outstanding shares of the Company, or (ii) the merger, consolidation,
reorganization or liquidation of the Company that results in a change in
ownership of 50% or more in the direct or indirect ownership of the Company
before the merger, consolidation, reorganization or liquidation, the Executive
shall receive a lump sum compensation equal to his annual salary and incentive
or bonus payments, if any, as would have been paid to the Executive during the
Company's then current fiscal year (as if the Executive had been employed for
the full fiscal year), within 30 days of the Triggering Event. All of
Executive's granted but unvested options shall immediately vest upon the
occurrence of a Triggering Event, and all of the shares underlying all the
options held by him shall be registered on a Form S-8 (or any successor form) in
a timely manner (no more than 45 days after such Triggering Event), to be sold
to him by the Company or its successor as unrestricted and freely tradable
shares. If the total amount of the change of control compensation were to exceed
three times the Executive's base salary (the average annual taxable compensation
of the Executive for the five years preceding the year in which the change of
control occurs), the Company and the Executive may agree to reduce the lump sum
compensation to be received by Executive in order to avoid the imposition of the
golden parachute tax as provided in the Tax Reform Act of 1984, as amended by
the Tax Reform Act of 1986. In the event the Executive is required to hire
counsel to negotiate on his behalf in connection with his termination or
resignation from the Company upon the occurrence of a Triggering Event, or in
order to enforce his rights and the obligations of the Company as provided in
this Paragraph, the Company shall reimburse to the Executive all reasonable
attorney's fees which may be expended by the Executive in seeking to enforce the
terms hereof. Such reimbursement shall be paid every 30 days after the Executive
provides copies of invoices from the Executive's counsel to the Company.

     14. Indemnification. The Company shall indemnify and hold harmless
Executive to the fullest extent and in the manner permitted by the provisions of
the Colorado Business Corporation Act, as it may be amended from time to time.
To the extent that any of the Company's officers or directors are covered by or
benefit from one or more director's and officer's liability insurance policies,
the Executive shall also be covered by or benefit from such policy or policies.

     15. Arbitration. Any controversy, dispute or claim arising out of, or
relating to this Agreement and/or its interpretation shall, unless resolved by
agreement of the parties, be settled by binding arbitration in Denver, Colorado
in accordance with the Rules of the American Arbitration Association for
employment disputes then existing. This Agreement to arbitrate shall be
specifically enforceable under the prevailing arbitration laws of the State of
Colorado. The award rendered by the arbitrators shall be final and judgment may
be entered upon the award in any court of the State of Colorado having
jurisdiction of the matter. If any legal proceeding and/or arbitration is
brought to enforce or interpret the terms of this Agreement, each party shall
bear its own attorney's fees, costs, and necessary disbursements in such legal
proceeding and/or arbitration except as otherwise provided herein.

     16. General Provisions.

     (a) The Executive's rights and obligations under this Agreement shall not
be transferable by assignment or otherwise, nor shall Executive's rights be
subject to encumbrance or to the claims of the Company's creditors. Nothing in
this Agreement shall prevent the consolidation of the Company, with or its
merger into, any other corporation, or the sale by the Company of all or
substantially all of its property or assets. However, the rights of the
Executive hereunder shall be enforceable against any successor to the Company,
and the rights of the Company hereunder shall benefit any successor to the
Company.

     (b) This Agreement and the rights of Executive with respect to the
obligations and benefits of employment recited in this Agreement, constitute the
entire Agreement between the parties hereto in respect of the employment of the
Executive by the Company and supersede any and all other agreements either oral
or in writing between the parties hereto with respect to the employment of the
Executive.

     (c) The provisions of this Agreement shall be regarded as divisible, and
if any of said provisions or any part thereof are declared invalid or
unenforceable by a court of competent jurisdiction, the validity and
enforceability of the remainder of such provisions or parts thereof and the
applicability thereof shall not be affected thereby.

     (d) This Agreement may not be amended or modified except by a written
instrument executed by Company and Executive.

     (e) This Agreement and the rights and obligations hereunder shall be
governed by and construed in accordance with the laws of the State of Colorado,
excluding however, the provisions governing conflicts of laws.

     17. Construction. Throughout this Agreement, the singular shall include the
plural, and the plural shall include the singular, and the masculine and neuter
shall include the feminine, wherever the context so requires.

     18. Text to Control. The headings of paragraphs and sections are included
solely for convenience of reference. If any conflict between any heading and the
text of this Agreement exists, the text shall control.

     19. Authority. The officer executing this Agreement on behalf of the
Company has been empowered and directed to do so by the Board of Directors of
the Company. IN WITNESS WHEREOF, the Company and the Executive hereby execute
this Agreement, as of the date first above written, with the full intention to
be mutually bound by the terms hereof.

                             FOR THE COMPANY:
                             MEDIX RESOURCES, INC.

                             By:/s/ John R. Prufta
                             ---------------------
                             John R. Prufeta
                             President and Chief Executive Officer

                              THE EXECUTIVE:

                             By:/s/ Michael G. Knepper
                             -------------------------
                             Michael G. Knepper
                                                                       EXHIBIT A

                          VESTING SCHEDULE FOR OPTIONS

Options covering 400,000 shares of the Company common stock shall be granted to
Executive upon the execution of this Employment Agreement, which shall vest as
follows: options covering 50,000 shares will vest immediately and options
covering 50,000 shares shall vest on the same date of each third month from the
prior vesting date, until all options have vested (which date shall be 21 months
from the date of this Agreement), so long as Executive is still employed by the
Company on each of those vesting dates. However, in order to qualify for the
exemption provided by Rule 16b-3, in no case shall Executive transfer or dispose
of any option (other than by exercise) or the underlying common stock granted
hereunder for a period of six months plus one day from the date of this
Agreement. The expiration date of all of the options granted hereunder shall be
the earlier of five years from the date of this Agreement or 90 days after the
Executive leaves the employment of the Company.10.19

                      EXECUTIVE EMPLOYMENT AGREEMENT

      EXECUTIVE EMPLOYMENT AGREEMENT (the "Agreement") by and between
Medix Resources, Inc. (the "Company") with principal offices located
at Suite 301, 7100 E. Belleview, Englewood, Colorado and David
Kinsella (the "Executive").

      NOW  THEREFORE,  in  consideration  of the  foregoing  premises and mutual
covenants herein contained, the parties hereto agree as follows:

      1.   Employment.  The Company agrees to employ the Executive and
the Executive agrees to serve the Company as its Chief Accounting Officer.

      2.  Position  and  Responsibilities.  The  Executive  shall exert his best
efforts and devote all of his business time and attentions to the affairs of the
Company. The Executive shall be responsible for the day to day management and
operation of the Company's financial affairs, and shall have full authority and
responsibility with respect thereto, subject to the general direction, approval
and control of the Board of Directors and to the restrictions, limitations and
guidelines set forth by the Board of Directors in Resolutions adopted in the
Minutes of the Board of Directors meetings, copies of which shall be provided to
the Executive from time to time.

      3. Board of  Directors.  The  Executive  shall at all times  discharge his
duties as Chief Accounting Officer under the supervision of the Board of
Directors of the Corporation. In the performance of his duties, the Executive
shall make his principal office at the Corporate offices located in Englewood,
Colorado.

      4. Term of Employment. The period of the Executive's employment under this
Agreement shall be for a two-year period or until September 30, 2001, subject to
the termination provisions set forth in Paragraph 13 and 14 hereafter.

      5. Duties.  During the period of his  employment  hereunder and except for
illness, specified vacation periods and reasonable leaves of absence, the
Executive shall devote his best efforts and all his business time, attention and
skill to the business and affairs of the Company and its affiliated companies,
as such business and affairs now exist and as they may be hereinafter changed or
added to, under and pursuant to the general direction of the Board of Directors
of the Company, provided, however, that, with approval of the Board of Directors
of the Company, the Executive may continue to serve, on the Board of Directors
of, or hold any other offices or positions in, companies or organizations which,
in such Board's judgment, will not present any conflict of interest with the
Company or any of its subsidiaries or affiliates or divisions, or materially
affect the performance of Executive's duties pursuant to this Agreement; and
further provided that the outside business is not a "Business Opportunity" of
the Company, as defined herein. A Business Opportunity of the Company shall be a
product, service, investment, venture or other opportunity which is either:

      (a)  Directly related to or within the scope of the existing business of
the Company; or

      (b) Within the logical scope of the business of the Company,  as such
scope may be expanded or altered from time-to-time by the Board of Directors.

      6. Compensation.  The Company shall pay to the Executive as  compensation
for his services, the base salary of $100,000 per year, or such higher salary as
may be from time-to-time approved by the Board of Directors, plus additional
compensation and/or bonuses or stock options as may be voted to him at the sole
discretion of the Board of Directors.

      7. Expense Reimbursement. The Company will reimburse the Executive for all
reasonable and necessary expenses incurred by him in carrying out his duties
under this Agreement. The Executive shall present to the CEO each month an
itemized account of such expenses in such form as is required by the Board of
Directors.

      8. Medical, Dental and Disability Coverage. The Executive, his spouse, and
those children who qualify will be eligible to participate in the Company's
current Employee Group Medical and other group insurance programs on the same
basis as other Executives of the Company.

      9.  Medical  Examination.  The  Executive  agrees  to submit  himself  for
physical examination on one occasion per year as requested by the Company for
the purpose of the Company's obtaining life insurance on the life of the
Executive for the benefit of the Company; provided, however, that the Company
shall bear the entire cost of such examinations and shall pay all premiums on
any key man life insurance obtained for the benefit of the Company as
beneficiary.

      10. Vacation Time. The Executive shall be entitled to take three (3) weeks
paid vacation per calendar year. Such vacation may not be taken in any greater
than consecutive two (2) week increments. Vacation not used by the Executive
during the calendar year will be forfeited.

      11. Obligations  of  Executive  During  and  After  Employment.

      (a)  The Executive agrees that during the terms of his employment under
this  Agreement  or while  receiving  compensation  under this Agreement,
he  will  engage  in  no  other  business  activities  directly  or indirectly,
which are or may be competitive  with or which might place him in a competing
position to that of the Company, or any affiliated company.

      (b) The Executive  realizes that during the course of his employment,
Executive will have produced and/or have access to confidential business plans,
information, business opportunity records, notebooks, data, formula,
specifications, trade secrets, customer lists, account lists and secret
inventions and processes of the Company and its affiliated companies. Therefore,
during his employment by the Company or by an affiliated company or while
receiving compensation under this Agreement, the Executive agrees to hold in
confidence and not to directly or indirectly disclose or use or copy or make
lists of any such information, except to the extent authorized by the Company in
writing. All records, files, business plans, documents, equipment and the like,
or copies thereof, relating to Company's business, or the business of an
affiliated company, which Executive shall prepare, or use, or come into contact
with, shall remain the sole property of the Company, or of an affiliated
company, and shall not be removed from the Company's or the affiliated company's
premises without its written consent, and shall be promptly returned to the
Company upon termination of employment with the Company and its affiliated
companies.

      (c) Because of his  employment  by the Company,  Executive  will have
access to trade secrets and confidential information about the Company, its
business plan, its hospital and supplemental staffing accounts, its business
opportunities, its expansion plans into other geographical areas and its methods
of doing business. Executive agrees that for a period of one year after
termination of his employment, he will not, directly or indirectly compete with
the Company in the business of supplemental staffing, home health,
rehabilitation services, travel nurse and iHealth software related services
within 100 miles of locations operated by the Company on the date of
termination.

      (d)  In the  event  a  court  of  competent  jurisdiction  finds  any
provision of this Section 11 to be so over broad as to be unenforceable, then
such provision shall be reduced in scope by the court, but only to the extent
deemed necessary by the court to render the provision reasonable and
enforceable, it being the Executive's intention to provide the Company with the
broadest protection possible against harmful competition.

      12. Termination by the Company.

      (a)  Termination  for Cause by the Company.  During the first year of
the term of this Agreement, there can be no termination of the Executive by the
Company except for "Termination for Cause" as outlined below:

      (1) Notwithstanding anything herein to the contrary, the Company
may, without liability, terminate the Executive's employment hereunder for cause
at any time upon written notice from the Board of Directors specifying such
cause, and thereafter the Company's obligations hereunder shall cease and
terminate; provided, however, that the Company shall pay the Executive 30 days
pay and that such written notice shall not be delivered until the Board of
Directors shall have given the Executive written notice specifying the conduct
alleged to have constituted such cause and the Executive has failed to cure such
conduct, if curable within thirty (30) days following receipt of such notice.
Grounds for termination "for cause" shall be one or more of the following:

      (1)  A willful breach of duty by the Executive duringthe course of  his
employment;

      (2)  Habitual  neglect  of  duty  by  the  Executive;

      (3)  The Executive's  material  failure  to  perform  or meet  objective
and  measurable financial  standards  set by the  Board  of  Directors  and
agreed  upon by theExecutive  in  advance;

      (4)  Disloyal,  dishonest  or  illegal  conduct  of the Executive

      (b) Termination Without Cause by the Company. After the completion of
the initial year of employment hereunder, the Board of Directors may terminate
the employment of the Executive upon thirty (30) days written notice without
cause, by a majority vote, if in the opinion of the Board, the Executive has
failed to meet projected financial goals and/or discharged his duties and
responsibilities to the satisfaction of the Board. In the event of termination
without cause, the Company will pay the Executive three (3) months salary as
compensation. At least three months prior to the expiration of this contract,
the Company will either notify the Executive in writing that the contract will
not be renewed or will commence good faith negotiation to enter into a new or
modified contract.

      13.  Termination by the Executive  Without Cause.  The Executive,  without
cause, may terminate this Agreement upon 30 days' written notice to the Company.
In such event, the Executive shall be required to render the services required
under this Agreement during such 30-day period unless otherwise directed by the
Board of Directors. Compensation for vacation time not taken by Executive shall
be paid to the Executive at the date of termination.

      14.  Termination by the Executive with Cause.  The Executive may terminate
this employment with the Company at any time upon 30 days' written notice and
opportunity for the Company to remedy any non-compliance, by reason of (i) the
Company's material failure to perform its duties pursuant to this Agreement; or
(ii) any material diminishment in the duties and responsibilities, working
facilities, or benefits as described in paragraphs 2, 5, 6,and 8 of this
Agreement. Executive shall be entitled to all base salary specified herein for a
six-month period following the notice of termination for cause.

      15.  Termination Upon  Death of  Executive.  In  addition  to any  other
provision relating to termination, this Agreement shall terminate upon the
Executive's death. No severance allowance or compensation for vacation
time not taken by Executive shall be paid to the Executive's estate.

      16. Lump Sum Compensation. In the event of the occurrence of a "Triggering
Event" which shall be defined to include (i) change in ownership of 50% or more
of the outstanding shares of the Company, or (ii) merger, consolidation,
reorganization or liquidation of the Company, the Executive shall receive lump
sum compensations equal to his annual salary and incentive or bonus payments, if
any, as would have been paid to the Executive during the Company's most recent
fiscal year (as if the Executive had been employed for the full fiscal year)
within 30 days of the Triggering Event. The Executive will also receive complete
vesting of any outstanding granted options an registration of all underlying
shares not previously registered. If the total amount of the change of control
compensation were to exceed three times the Executive's base amount (the average
annual taxable compensation of the Executive for the five years preceding the
year in which the change of control occurs), the Company and the Executive may
agree to reduce the lump sum compensation to be received by Executive in order
to avoid the imposition of the golden parachute tax as provided in the Tax
Reform Act of 1984, as amended by the Tax Reform Act of 1986.

      In the event the  Executive  is required to hire counsel to negotiate
on his behalf in connection with his termination or resignation from the Company
upon the occurrence of a Triggering Event, or in order to enforce the rights and
obligations of the Company as provided in this Paragraph, the Company shall
reimburse to the Executive all reasonable attorney's fees which may be expended
by the Executive in seeking to enforce the terms hereof. Such reimbursement
shall be paid every 30 days after the Executive provides copies of invoices from
the Executive's counsel to the Company. 17. Arbitration. Any controversy,
dispute or claim arising out of, or relating to this Agreement and/or its
interpretation shall, unless resolved by agreement of the parties, be settled by
binding arbitration in Denver, Colorado in accordance with the Rules of the
American Arbitration Association for employment disputes then existing. This
Agreement to arbitrate shall be specifically enforceable under the prevailing
arbitration laws of the State of Colorado. The award rendered by the arbitrators
shall be final and judgment may be entered upon the award in any court of the
State of Colorado having jurisdiction of the matter.

      If any legal  proceeding  and/or  arbitration  is  brought  to  enforce or
interpret the terms of this Agreement, the prevailing party shall bear all
attorney's fees, costs and necessary disbursements in such legal proceeding
and/or arbitration.

      18.  General Provisions.

      (a) The Executive's rights and obligations under this Agreement shall
not be transferable by assignment or otherwise, nor shall Executive's rights be
subject to encumbrance or to the claims of the Company's creditors. Nothing in
this Agreement shall prevent the consolidation of the Company, with or its
merger into, any other Corporation, or the sale by the Company of all or
substantially all of its property or assets.

      (b) This  Agreement  and the rights of Executive  with respect to the
obligations and benefits of employment recited in this Agreement, constitute the
entire Agreement between the parties hereto in respect of the employment of the
Executive by the Company and supersede any and all other agreements either oral
or in writing between the parties hereto with respect to the employment of the
Executive.

      (c) The provisions of this Agreement  shall be regarded as divisible,
and if any of said provisions or any part thereof are declared invalid or
unenforceable by a court of competent jurisdiction, the validity and
enforceability of the remainder of such provisions or parts thereof and the
applicability thereof shall not be affected thereby.

      (d) This Agreement may not be amended or modified except by a written
instrument executed by Company and Executive

      (e) This Agreement and the rights and obligations  hereunder shall be
governed by and construed in accordance with the laws of the State of Colorado.

      19.  Construction.  Throughout this Agreement,  the singular shall include
the plural, and the plural shall include the singular, and the masculine and
neuter shall include the feminine, wherever the context so requires.

      20. Text to Control.  The headings of paragraphs and sections are included
solely for convenience of reference. If any conflict between any heading and the
text of this Agreement exists, the text shall control.

      21.  Authority.  The officer executing this Agreement on behalf
of the Company has been empowered and directed to do so by the Board
of Directors of the Company.

      22.  Effective  Date.  The  effective  date of  this  Agreement  shall  be
September 27, 1999.

                                FOR THE COMPANY:
                                MEDIX RESOURCES, INC.

                                By: /s/ John P. Yeros
                                ---------------------
Date:10/29/99                   John P. Yeros
                                Chief Executive Officer

                               FOR THE EXECUTIVE:

                               By:/s/ David Kinsella
                               ---------------------
Date: 10/29/99                 David Kinsella

AMENDMENT TO EXECUTIVE EMPLOYMENT AGREEMENT

This  Amendment  (this  "Amendment")  to  the  Executive  Employment  Agreement,
effective September 27, 1999, and any extension thereof or replacement agreement
therefore (the "Employment Agreement"), between Medix Resources, Inc. (the
"Company") and David Kinsella (the "Executive") is being executed by the parties
to provide additional terms to the Employment Agreement of the Executive. The
effective date of this Amendment, notwithstanding the actual date of signing, is
January 26, 2000.

     1. Agreement  as to  Severance.  If  the  Executive  or  the  Company
terminate his employment for any reason before August 1, 2000, he will
receive a severance payment of an amount equal to six months of salary as
currently provided in the Employment Agreement. Such payment shall be made
to the Executive in a lump sum payment, subject to deductions for
applicable tax withholding and employee benefits to be retained by the
Executive, no later than two weeks after the last day of his employment
with the Company. Such payment shall also include all reimbursable expenses
owed to the Executive, and accrued sick leave and vacation time, at the
time of the termination of his employment.

     2. Vesting of Stock Options. All of the Executive's currently granted but
unvested stock options to purchase Company common stock shall immediately vest,
but all of the other terms thereof shall remain in full force and effect.

     3. General.  The general contract provisions of the Employment  Agreement
shall apply to this Amendment and all of the terms and conditions of the
Employment Agreement, as amended, shall continue in full force and effect until
terminated as provided therein.

IN WITNESS WHEREOF, the parties hereto have executed this Amendment to be
effective as of the date first stated above, based upon the action of the
Company's Board of Directors at their meeting held on January 26, 2000.

MEDIX RESOURCES, INC.                         EMPLOYEE:
By: /s/ John P. Yeros                         By: /s/David Kinsella
---------------------                         ---------------------
John P. Yeros                                 David Kinsella
Chairman of the Board

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