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June 2015 - Don't miss the June 30 deadline for fixing small business health plan errors. More...
March 2015 - Small business employers will benefit from new proposed regulations allowing supplemental insurance for employees covered through the individual insurance exchange.
October 2014 - Exchange enrollment gears up for 2015 with more sources of personal help for individual applicants
July 1014 - A new video tutorial "How to find supplemental health insurance".
June 2014 - An updated new Small business health plan checklist is available for free download along with the "Checklist of small business health insurance savings strategies
May 2014 - Millions of Americans still need immediate coverage before 2015 open enrollment
April 2014 - Guidance for employers on the tax treatment of reimbursements for individual health insurance purchased through an exchange and an article for CPAs advising clients: "I don't have health insurance".
January 2014 - Cover your high deductible and out-of-pocket expenses with affordable immediate issue supplemental coverage from U.S. Fire Insurance Company.
December 2013 - See "How millions of Americans can legally bypass Obamacare" to learn about how to avoid the 2014 tax penalty.
October 2013 - Tony Novak presents New Jersey Society of Certified Public Accountants webinar for reporters on Nov. 5. Novak's comments also appeared in The Star Ledger's consumer help column about the new health insurance exchange system.
Inbound Immigrant Insurance - our most popular coverage for new U.S. residents offers exceptionally high value
Employee benefits education
Freedom Benefits University offers onsite programs to help get the most from every dollar spent on employee health and retirement programs.
Supplemental Health Insurance
The Freedom Benefits Health Exchange is a primary source of supplemental health insurance designed to fill the gaps left by health reform policies and employer trends toward scaled-down benefit plans. Supplemental insurance is now available on a guaranteed basis at affordable prices through an employer-sponsored plan or on an individual basis throughout most of the country.learn more ...
DIY, Agent, or Navigator? What online enrollment method is best for me?
There are five methods of health insurance enrollment support offered through the Freedom Benefits network. Find out the advantages and disadvantages of each and how to get started
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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.