UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

Under the Securities Exchange Act of 1934
(Amendment No. ____4____)*

Access Plans USA, Inc.
—————————————————————————————————————————
(Name of Issuer)

Common Stock
—————————————————————————————————————————
(Title of Class of Securities)

740184106
————————————————
(CUSIP Number)

12/31/2008
—————————————————————————————————————————
(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

o  Rule 13d-1(b)

o  Rule 13d-1(c)

x  Rule 13d-1(d)

*The remainder of this cover page shall be filled out for a reporting person’s initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter the disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed to be “filed” for the purpose of Section 18 of the Securities Exchange Act of 1934 (“Act”) or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).

Persons who respond to the collection of information contained in this form are not
required to respond unless the form displays a currently valid OMB control number.

Page 1 of 11

CUSIP No.        740184106    

                               Page 2 of 11

  

    1.  Names of Reporting Persons.

        
        RENAISSANCE CAPITAL GROWTH & INCOME FUND III, INC.

        75-2533518

    2.  Check the Appropriate Box if a Member of a Group (See Instructions)

(a) •
(b) •
 

    3.  SEC Use Only

    4.  Citizenship or Place of Organization
        
        Texas

   Number of Shares
   Beneficially
   Owned by
   Each Reporting
   Person With:

    5.  Sole Voting Power

        0

    6.  Shared Voting Power

        896,598 (1)(3)

    7.  Sole Dispositive Power

        0

    8.  Shared Dispositive Power

        896,598 (2)(3)

    9.  Aggregate Amount Beneficially Owned by Each Reporting Person

       896,598 (1)(2)(3)

  10.  Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions)
 

•

  11.  Percent of Class Represented by Amount in Row (9)

        4.42%

  12.  Type of Reporting Person (See Instructions)

        IV


(1)     

Renaissance Capital Growth & Income Fund III, Inc. ("RENN3”) is the owner of record of the shares and shares voting power over the shares with RENN Capital Group, Inc., its investment adviser (“RENN”) pursuant to an investment advisory agreement.


(2)     

 RENN3 shares dispositive power over the shares with RENN


(3)

 

 Ownership includes options to buy 2,439 shares of common stock @ $2.25 grant date 1-30-07 expiration date 1-30-12 and options to buy 6,359 shares of common stock @ $2.30 grant date 3/28/07, expiration date 3/28/12


CUSIP No.        740184106    

                               Page 3 of 11

  

    1.  Names of Reporting Persons.

        
        RENAISSANCE US GROWTH INVESTMENT TRUST PLC

    2.  Check the Appropriate Box if a Member of a Group (See Instructions)

(a) •
(b) •
   

    3.  SEC Use Only

  

    4.  Citizenship or Place of Organization
        
        UNITED KINGDOM

  

   Number of Shares
   Beneficially
   Owned by
   Each Reporting
   Person With:

    5.  Sole Voting Power

        0

  

    6.  Shared Voting Power

        1,632,145 (4)

  

    7.  Sole Dispositive Power

        0

  

    8.  Shared Dispositive Power

        1,632,145 (5)

  

    9.  Aggregate Amount Beneficially Owned by Each Reporting Person

        1,632,145 (4) (5)

  

  10.  Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions)
 

•

  

  11.  Percent of Class Represented by Amount in Row (9)

        8.05%

  

  12.  Type of Reporting Person (See Instructions)

        IV

  


(4)     

Renaissance US Growth Investment Trust PLC (“RUSGIT”) is the owner of record of the shares and shares voting power over the shares with RENN Capital Group, Inc., its investment adviser (“RENN”) pursuant to an investment advisory agreement.



(5)     

 RUSGIT shares dispositive power over the shares with RENN.


           

Cusip No.  740184106

Page 4 of 11

    1.  Names of Reporting Persons.

        
        GLOBAL SPECIAL OPPORTUNITIES TRUST PLC

    2.  Check the Appropriate Box if a Member of a Group (See Instructions)

(a) •
(b) •
 

    3.  SEC Use Only

    4.  Citizenship or Place of Organization
        
        UNITED KINGDOM

   Number of Shares
   Beneficially
   Owned by
   Each Reporting
   Person With:

    5.  Sole Voting Power

        0

    6.  Shared Voting Power

        801,813 (6)

    7.  Sole Dispositive Power

        0

    8.  Shared Dispositive Power

       801,813 (7)

    9.  Aggregate Amount Beneficially Owned by Each Reporting Person

       801,813 (6)(7)

  10.  Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions)
 

•

  11.  Percent of Class Represented by Amount in Row (9)

        3.96%

  12.  Type of Reporting Person (See Instructions)

        IV

(6)     

Global Special Opportunities Trust PLC (“GSOT”) is the owner of record of the shares and shares voting power over the shares with RENN Capital Group, Inc., its investment adviser (“RENN”) pursuant to an investment advisory agreement.

(7)     

 GSOT shares dispositive power over the shares with RENN.

                                      

  CUSIP No.  740184106

Page 5 of 11

    1.  Names of Reporting Persons.

        
        PREMIER RENN US EMERGING GROWTH FUND LIMITED

    2.  Check the Appropriate Box if a Member of a Group (See Instructions)

(a) •
(b) •
 

    3.  SEC Use Only

    4.  Citizenship or Place of Organization
        
        GUERNSEY

   Number of Shares
   Beneficially
   Owned by
   Each Reporting
   Person With:

    5.  Sole Voting Power

        0
 

    6.  Shared Voting Power

        1,200,900 (8)
 

    7.  Sole Dispositive Power

        0
 

    8.  Shared Dispositive Power

       1,200,900 (9)

    9.  Aggregate Amount Beneficially Owned by Each Reporting Person

       1,200,900 (8)(9)

  10.  Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions)
 

•

  11.  Percent of Class Represented by Amount in Row (9)

        5.92%

  12.  Type of Reporting Person (See Instructions)

        IV

(8)     

Premier RENN US Emerging Growth Fund Limited (“PREM”) is the owner of record of the shares and shares voting power over the shares with RENN Capital Group, Inc., its investment adviser (“RENN”) pursuant to an investment advisory agreement.

(9)     

 PREM shares dispositive power over the shares with RENN.

                                      

  CUSIP No.        740184106 

   Page 6 of 11

    1.  Names of Reporting Persons.

        
        RENN CAPITAL GROUP, INC.

    2.  Check the Appropriate Box if a Member of a Group (See Instructions)

(a) •
(b) •
 

    3.  SEC Use Only

    4.  Citizenship or Place of Organization
        
        TEXAS

   Number of Shares
   Beneficially
   Owned by
   Each Reporting
   Person With:

    5.  Sole Voting Power

        0
 

    6.  Shared Voting Power

        4,550,358 (10)(12)
 

    7.  Sole Dispositive Power

        0
 

    8.  Shared Dispositive Power

       4,550,358 (11)(12)

    9.  Aggregate Amount Beneficially Owned by Each Reporting Person

       4,550,358 (10)(11)(12)

  10.  Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions)
 

•

  11.  Percent of Class Represented by Amount in Row (9)

        22.43%

  12.  Type of Reporting Person (See Instructions)

        IA

(10)     

RENN Capital Group, Inc. (“RENN”), is investment adviser to RUSGIT, RENN3, GSOT & PREM. RUSGIT, RENN3, GSOT & PREM share voting power over their shares with RENN pursuant to an investment advisory agreement.

(11)     

 RUSGIT, RENN3, GSOT & PREM shares dispositive power over the shares with RENN.


(12)

 

 Ownership includes options to buy 10,000 shares of common stock @ $2.25 grant date 1-30-07 expiration date 1-30-12 and options to buy 15,000 shares of common stock @ $2.30 grant date 3/28/07, expiration date 3/28/12


 

CUSIP No. 740184106

   Page 7 of 11

  

    1.  Names of Reporting Persons.

        
        RUSSELL CLEVELAND

    2.  Check the Appropriate Box if a Member of a Group (See Instructions)

(a) •
(b) •
 

    3.  SEC Use Only

    4.  Citizenship or Place of Organization
        
        US

   Number of Shares
   Beneficially
   Owned by
   Each Reporting
   Person With:

    5.  Sole Voting Power

        0
 

    6.  Shared Voting Power

         4,550,358 (13)(15)
 

    7.  Sole Dispositive Power

        0
 

    8.  Shared Dispositive Power

       4,550,358 (14)(15)

    9.  Aggregate Amount Beneficially Owned by Each Reporting Person

       4,550,358 (13)(14)(15)

  10.  Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions)
 

•

  11.  Percent of Class Represented by Amount in Row (9)

        22.43%

  12.  Type of Reporting Person (See Instructions)

        IN

(13)     

Mr. Cleveland is President and Chief Executive Officer of RENN Capital Group, Inc. (“RENN”), is investment adviser to RUSGIT, GSOT & PREM. RUSGIT, GSOT & PREM share voting power over their shares with RENN pursuant to an investment advisory agreement.

(14)     

Mr. Cleveland is President and Chief Executive Officer of RENN Capital Group, Inc. (“RENN”), is investment adviser to RUSGIT, GSOT & PREM. RUSGIT, GSOT & PREM share dispositive power over the shares with RENN.

(15)

 

 Ownership includes options to buy 10,000 shares of common stock @ $2.25 grant date 1-30-07 expiration date 1-30-12 and options to buy 15,000 shares of common stock @ $2.30 grant date 3/28/07, expiration date 3/28/12


 

CUSIP No. 740184106                                                                13G                                            Page 8 of 11 Pages
 __________________________________________________________________________________
Item 1(a).  Name of Issuer:

 Access Plans USA, Inc.
_____________________________________________________________________________________
Item 1(b).  Address of Issuer's Principal Executive Offices:

 14221 Dallas Parkway, Suite 1500, Dallas, TX 75254

_____________________________________________________________________________________
Item 2(a).  Name of Person Filing:

RENAISSANCE US GROWTH INVESTMENT TRUST PLC

RENAISSANCE CAPITAL GROWTH & INCOME FUND III, INC.
GLOBAL SPECIAL OPPORTUNITIES TRUST PLC
PREMIER RENN US EMERGING GROWTH FUND LIMITED
RENN CAPITAL GROUP, INC.
CLEVELAND, RUSSELL
_____________________________________________________________________________________
Item 2(b).  Address of Principal Business Office, or if None, Residence:
 
c/o RENN Capital Group, Inc., 8080 N. Central Expressway, Ste 210, LB-59, Dallas, TX 75026 
_____________________________________________________________________________________
Item 2(c).  Citizenship:

 UNITED KINGDOM, TEXAS, UNITED KINGDOM, GUERNSEY, TEXAS, UNITED STATES
_____________________________________________________________________________________
Item 2(d).  Title of Class of Securities:

 Common Stock
_____________________________________________________________________________________
Item 2(e).  CUSIP Number:

 740184106
_____________________________________________________________________________________



Item 3.     If this statement is filed pursuant to §§240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:  
               

             (a)

   [_] Broker or dealer registered under §15 of the Act (15 U.S.C. 78o).  

             (b)

   [_] Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c).  

             (c)

   [_] Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c).  

             (d)

   [_] Investment company registered under section 8 of the Investment Company Act of 1940    (15 U.S.C 80a-8).  
                         


 CUSIP No. 740184106                                                                13G                                        Page 9 of 11 Pages

____________________________________________________________________________ 

(e)

     [_] An investment adviser in accordance with §240.13d-1(b)(1)(ii)(E);    

             (f)

     [_] An employee benefit plan or endowment fund in accordance with §240.13d-1(b)(1)(ii)(F);    

             (g)

     [_] A parent holding company or control person in accordance with §240.13d-1(b)(1)(ii)(G);    

             (h)

     [_] A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);    

             (i)

     [_] A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);    

             (j)

     [_] Group, in accordance with §240.13d-1(b)(1)(ii)(J).    


_____________________________________________________________________________________

Item 4.  Ownership.
     Provide  the  following  information  regarding  the  aggregate  number and percentage of the class of securities of the issuer identified in Item 1.

(a)Amount beneficially owned:     RUSGIT – 1,632,145    
RENN3 – 896,598
    GSOT – 801,813
    PREMIER – 1,200,900
    RENN – 4,550,358
    RUSSELL CLEVELAND – 4,550,358



(b)  Percent of class:     RUSGIT – 8.05%    
RENN3 – 4.42%
    GSOT – 3.96%
    PREMIER – 5.92%
    RENN – 22.43%
    RUSSELL CLEVELAND – 22.43%,


 

(c) Number of shares as to which such person has:        

  (i) Sole power to vote or to dirct the vote

    

0,

    




 

(ii) Shared power to vote or to direct the vote :

     RUSGIT – 1,632,145    
RENN3 – 896,598
                GSOT – 801,813
              PREMIER – 1,200,900
               RENN – 4,550,358
             RUSSELL CLEVELAND – 4,550,358,


  (iii)  Sole power to dispose or to direct the disposition of

0,

(iv) Shared power to dispose or to direct the disposition of :     RUSGIT – 1,632,145    
RENN3 – 896,598
                                                                   GSOT – 801,813
                                                                        PREMIER – 1,200,900
                                                                        RENN – 4,550,358
    RUSSELL CLEVELAND – 4,550,358


 

 

CUSIP No. 740184106                                                                13G                                            Page 10 of 11 Pages

______________________________________________________________________________________

Item 5.  Ownership of Five Percent or Less of a Class. If this statement is being filed to report the fact that as of the date hereof the reporting person has ceased to be the beneficial owner of more than five percent of the class of securities check the following [ x].
______________________________________________________________________________________
Item 6.  Ownership of More Than Five Percent on Behalf of Another Person.
 N/A
______________________________________________________________________________________
Item 7.  Identification and Classification of the Subsidiary Which Acquired the  Security Being Reported on by
             the Parent Holding Company or Control Person.
  N/A
_____________________________________________________________________________________
Item 8.  Identification and Classification of Members of the Group.
  N/A
______________________________________________________________________________________
Item 9.  Notice of Dissolution of Group.
  N/A
______________________________________________________________________________________



 

Item 10.  Certifications. (a) The following certification shall be included if the statement is filed pursuant to §240.13d-1(b):
By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect.
(b) The following certification shall be included if the statement is filed pursuant to §240.13d-1(c):
By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect.


               

1. The shares held by each of RENN & Russell Cleveland consist of the shares held by each of RUSGIT, GSOT & PREM over which they share voting and dispositivie power pursuant to an investment advisory agreement.
2. Each of RUSGIT, GSOT & PREM share voting and dispositive power over their respective shares with RENN pursuant to an investment advisory agreement.

 

CUSIP No. 740184106                                                                13G                                             Page 11 of 11 Pages

 __________________________________________________________________________________




SIGNATURE

          After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Renaissance Capital Growth & Income Fund III, Inc.

Date: 2/13/2009

/s/ Russell Cleveland, by Rene Jones, attorney in fact

 

Name: Russell Cleveland

Title: President
  Renaissance US Growth Investment Trust PLC
      
   
Date: 2/13/2009   /s/ Russell Cleveland, by Rene Jones, attorney in fact  
                                 Name: Russell Cleveland
  Title: President, RENN Capital Group, Inc., Investment Advisor
   
  Global Special OpportunitiesTrust PLC
  
     
Date: 2/13/2009   /s/ Russell Cleveland, by Rene Jones, attorney in fact  
                                 Name: Russell Cleveland
  Title: President, RENN Capital Group, Inc., Investment Advisor
                                   
Premier RENN US Emerging Growth Fund Limited
  
  
Date: 2/13/2009 /s/ Russell Cleveland, by Rene Jones, attorney in fact
Title: President, RENN Capital Group, Inc., Investment Advisor
  
RENN Capital Group, Inc.
  
  
Date: 2/13/2009   /s/ Russell Cleveland, by Rene Jones, attorney in fact  
                                Name: Russell Cleveland
  Title: President
  
Russell Cleveland
  
  
Date: 2/13/2009 /s/ Russell Cleveland, by Rene Jones, attorney in fact


                                                    :  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Note. Schedules filed in paper format shall include a signed original and five copies of the schedule, including all exhibits. See Rule 13d-7 for other parties for whom copies are to be sent.
Attention. Intentional misstatements or omissions of fact constitute federal criminal violations (see 18 U.S.C. 1001).