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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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 30xbuR4vTaWR3rgPOoKK8A==

<SEC-DOCUMENT>0001126328-04-000425.txt : 20041201
<SEC-HEADER>0001126328-04-000425.hdr.sgml : 20041201
<ACCEPTANCE-DATETIME>20041201161814
ACCESSION NUMBER:		0001126328-04-000425
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20041129
FILED AS OF DATE:		20041201
DATE AS OF CHANGE:		20041201

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			PRINCIPAL FINANCIAL SERVICES INC
		CENTRAL INDEX KEY:			0001094589

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-31014
		FILM NUMBER:		041177714

	BUSINESS ADDRESS:	
		STREET 1:		711 HIGH ST
		CITY:			DES MOINES
		STATE:			IA
		ZIP:			50392

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			PRINCIPAL HOLDING CO
		CENTRAL INDEX KEY:			0001126327

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-31014
		FILM NUMBER:		041177712

	BUSINESS ADDRESS:	
		STREET 1:		711 HIGH STREET
		CITY:			DES MOINES
		STATE:			IA
		ZIP:			50392
		BUSINESS PHONE:		5152475111

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			PRINCIPAL FINANCIAL GROUP INC
		CENTRAL INDEX KEY:			0001126328
		STANDARD INDUSTRIAL CLASSIFICATION:	ACCIDENT & HEALTH INSURANCE [6321]
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-31014
		FILM NUMBER:		041177715

	BUSINESS ADDRESS:	
		STREET 1:		711 HIGH STREET
		CITY:			DES MOINES
		STATE:			IA
		ZIP:			50392
		BUSINESS PHONE:		5152475111

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HEALTHEXTRAS INC
		CENTRAL INDEX KEY:			0001090403
		STANDARD INDUSTRIAL CLASSIFICATION:	INSURANCE AGENTS BROKERS & SERVICES [6411]
		IRS NUMBER:				522181356
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		2275 RESEARCH BOULEVARD
		STREET 2:		7TH FLOOR
		CITY:			ROCKVILLE
		STATE:			MD
		ZIP:			20850
		BUSINESS PHONE:		3015482900

	MAIL ADDRESS:	
		STREET 1:		2275 RESEARCH BOULEVARD
		STREET 2:		7TH FLOOR
		CITY:			ROCKVILLE
		STATE:			MD
		ZIP:			20850

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			PRINCIPAL LIFE INSURANCE CO
		CENTRAL INDEX KEY:			0000009712
		STATE OF INCORPORATION:			IA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-31014
		FILM NUMBER:		041177713

	BUSINESS ADDRESS:	
		STREET 1:		711 HIGH STREET
		STREET 2:		C/O THE PRINCIPAL FINANCIAL GROUP
		CITY:			DES MOINES
		STATE:			IA
		ZIP:			50392-0300
		BUSINESS PHONE:		515-248-38

	MAIL ADDRESS:	
		STREET 1:		711 HIGH STREET
		CITY:			DES MOINES
		STATE:			IA
		ZIP:			50392

	FORMER NAME:	
		FORMER CONFORMED NAME:	PRINCIPAL MUTUAL LIFE INSURANCE CO
		DATE OF NAME CHANGE:	19920929

	FORMER NAME:	
		FORMER CONFORMED NAME:	BANKERS LIFE CO
		DATE OF NAME CHANGE:	19600201

	FORMER NAME:	
		FORMER CONFORMED NAME:	BANKERS LIFE ASSOCIATION
		DATE OF NAME CHANGE:	19600201
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>edgar.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2004-11-29</periodOfReport>

    <issuer>
        <issuerCik>0001090403</issuerCik>
        <issuerName>HEALTHEXTRAS INC</issuerName>
        <issuerTradingSymbol>HLEX</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001126328</rptOwnerCik>
            <rptOwnerName>PRINCIPAL FINANCIAL GROUP INC</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>711 HIGH STREET</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>DES MOINES</rptOwnerCity>
            <rptOwnerState>IA</rptOwnerState>
            <rptOwnerZipCode>50392</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>1</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001094589</rptOwnerCik>
            <rptOwnerName>PRINCIPAL FINANCIAL SERVICES INC</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1></rptOwnerStreet1>
            <rptOwnerStreet2>711 HIGH STREET</rptOwnerStreet2>
            <rptOwnerCity>DES MOINES</rptOwnerCity>
            <rptOwnerState>IA</rptOwnerState>
            <rptOwnerZipCode>50392</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>1</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0000009712</rptOwnerCik>
            <rptOwnerName>PRINCIPAL LIFE INSURANCE CO</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1></rptOwnerStreet1>
            <rptOwnerStreet2>711 HIGH STREET</rptOwnerStreet2>
            <rptOwnerCity>DES MOINES</rptOwnerCity>
            <rptOwnerState>IA</rptOwnerState>
            <rptOwnerZipCode>50392</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>1</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001126327</rptOwnerCik>
            <rptOwnerName>PRINCIPAL HOLDING CO</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1></rptOwnerStreet1>
            <rptOwnerStreet2>711 HIGH STREET</rptOwnerStreet2>
            <rptOwnerCity>DES MOINES</rptOwnerCity>
            <rptOwnerState>IA</rptOwnerState>
            <rptOwnerZipCode>50392</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>2004-11-29</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>S</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>112500</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>14.60</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>7977500</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F1"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By subsidiary.</value>
                    <footnoteId id="F1"/>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">These shares are owned directly by Principal Holding Company, a wholly-owned subsidiary of Principal Life Insurance Company, a wholly-owned subsidiary of Principal Financial Services, Inc., a wholly-owned subsidiary of Principal Financial Group, Inc. Principal Life Insurance Company, Principal Financial Services, Inc. and Principal Financial Group, Inc. are indirect beneficial owners of the reported securities.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>Joyce N. Hoffman, Senior Vice President and Corporate Secretary, Principal Financial Group</signatureName>
        <signatureDate>2004-12-01</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----