<?xml version="1.0"?><ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>4/A</documentType><periodOfReport>2003-07-01</periodOfReport><dateOfOriginalSubmission>2003-07-31</dateOfOriginalSubmission><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0000768892</issuerCik><issuerName>HEALTHAXIS INC</issuerName>        <issuerTradingSymbol>HAXS</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0000773660</rptOwnerCik><rptOwnerName>UICI</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>9151 GRAPEVINE  HIGHWAY</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>N RICHLAND HILLS</rptOwnerCity><rptOwnerState>TX</rptOwnerState><rptOwnerZipCode>76180</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>0</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>1</isTenPercentOwner><isOther>0</isOther></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeTransaction><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2003-07-01</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>2682798</value><footnoteId id="F1" /></transactionShares><transactionPricePerShare><value>0</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>27147575</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction><nonDerivativeTransaction><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2003-07-30</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>S</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>25000</value></transactionShares><transactionPricePerShare><value>0.45</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>27122575</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction></nonDerivativeTable><footnotes><footnote id="F1">On January 7, 2000, UICI deposited 3,224,645 shares of common stock of Insurdata Incorporated, a wholly owned subsidiary of UICI ("Insurdata"), into a Voting Trust pursuant to a Voting Trust Agreement, dated January 7, 2000, for the purpose of making awards to employees of Insurdata and its successors.  Pursuant to a series of mergers, the Insurdata common stock was exchanged for shares of common stock of the Registrant.  On July 1, 2003, the Voting Trust terminated in accordance with its terms and all of the shares of common stock remaining in the Voting Trust (2,682,798) reverted to UICI.</footnote></footnotes><remarks></remarks><ownerSignature><signatureName>UICI by /s/ Mark D. Hauptman, VP</signatureName><signatureDate>2003-08-04</signatureDate></ownerSignature></ownershipDocument>

