|Accident | ACOs | Ancillary | Short Term | Critical Illness | Dental | Disability Income | Emergency | FB University | Group | Guaranteed Issue | HRA | HSA | High deductible | Immigrant | Individual | International | Life | Major Medical | Medigap | Mini-med | OnlineNavigator | Pre-existing Condition | PPO | Prescription | Small Business | Supplemental | Temporary | Travel|
December 2014 - Deductible Supplement Insurance and Qualified Health Plan Supplement Insurance is now available in most states. OnlineAdviser provides some consumer advice on cancelling unwanted health insurance.
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 will present New Jersey Society of Certified Public Accountants webinar for reporters on Nov. 5, Blog post: "Reflections on the first day of federal insurance exchange enrollment". Novak's comments also appeared in The Star Ledger's consumer help column about the new health insurance exchange system.
September 2013 - Health insurance exchange rates for 2014 are now available but enrollment will not begin until October; OnlineNavigator is covered by Yahoo Finance. FB will introduce new free small business HRA, HSA, FSA and other small business plans for 2014 when employees use the Members' insurance exchange to enroll for coverage.
August 2013 - Navigators funded by federal grants for state insurance exchanges are listed. The future of Core Health Insurance covered in this article.
July 2013 - Affordable Smart Term Life Insurance up to $350,000 is now available in all states except NY through direct online application without a physical exam or agent appointment.
May 2013 - short article "Dos and Don't for small business HRAs" helps make plan setup easy
April 2013 - Freedom Benefits launches Members Health Insurance Exchange to help transition to qualified major medical insurance plans coming under the ACA health reform law. New articles: "Immediate issue health insurance, Health insurance for independent contractors" and "Health Insurance for Athletes"
March 2013 - Our Lloyd's London cover holder introduces an interactive travel insurance guide
February 2013 - We served a record 14,818 visitors over the past month.
October 2012 - Update to "Health Insurance for Diabetics" on coverage strategy.
September 2012 - New Core Dental Insurance makes immediate coverage available for major dental treatments.
August 2012 - "What's behind rising student health insurance rates?" and new supplemental benefits including CallMD telemedicine plan at $20 per month, OnlineNavigator service at $8 per month, Consumer Direct Accident Medical Expense starting at $20 per month and Critical Illness Benefit starting at $25 per month. Also see update on "Affordable Insurance Exchanges: more choices, competition and clout"
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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Freedom Benefits is independently owned and operated 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.