HEALTHAXIS INC
SC 13G, EX-99.1, 2000-07-11
INSURANCE AGENTS, BROKERS & SERVICE
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                                                              Page 9 of 10 Pages


                                    EXHIBIT A

                             JOINT FILING AGREEMENT

         The  undersigned  hereby agree that the  statement on Schedule 13G with
respect to the Common Stock of HealthAxis,  Inc., dated as of July 10, 2000, is,
and any amendments thereto (including amendments on Schedule 13D) signed by each
of the  undersigned  shall be,  filed on behalf of each of us pursuant to and in
accordance  with the provisions of Rule 13d-1(f)  under the Securities  Exchange
Act of 1934.



Date:  July 10, 2000                    BROWN SIMPSON PARTNERS I, LTD.

                                        By:  /S/ PETER D. GREENE
                                             ---------------------------------
                                             Peter D. Greene
                                             Attorney-in-Fact


Date:  July 10, 2000                    BROWN SIMPSON ASSET MANAGEMENT, LLC

                                        By:  /S/ PETER D. GREENE
                                             ---------------------------------
                                             Peter D. Greene
                                             Managing Principal


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