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What's New?


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

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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".

March 2014 - Demand soars ahead of closing of open enrollment at Healthcare.gov

February 2014 - New data shows that younger people are more likely to use private insurance exchanges

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.

June 2013 - Affordable health insurance exchanges boost choice and competition

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.

January 2013 - NJ Health Insurance Exchange and Seven Simple but Powerful Financial Planning Tips for 2013

December 2012 - New advice on setting up health insurance for a staffing agency. UCT "any dentist" plan now offers dependent child coverage.

November 2012 - Planning advice for cancer patient losing COBRA coverage. An easy way to save money with Cigna PPO doctors and hospitals.

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
Inbound Immigrant Insurance - our most popular coverage for new U.S. residents offers exceptionally high value
low cost health insurance

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Find help with Affordable Care Act options and Obamacare enrollment

See primary and supplemental plans available in your state through the state and private commercial insurance exchanges where you live. Then contact a live agent to help select the best plan or ask OnlineNavigator questions about the Affordable Care Act that are not directly related to the insurance policy. Click on your state to get started:

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Freedom Benefits empowers individuals to take control of their health insurance

OnlineAdviser help with Healthcare.gov insurance exchangeOnlineNavigator now offers free personal enrollment support online and through email for qualified health plans on the federal health insurance Web site at Healthcare.gov.  Learn more...

Health reform makes it easier than you think to find affordable and reliable health insurance. Browse the state-by-state listings on each state insurance exchange to find choices with secure online pricing and then take advantage of the personal and professional OnlineAdviser enrollment support to answer questions about all types of health insurance benefits.

Through the resource network of the Web sites supported by OnlineAdviser and OnlineNavigator, we have helped more than a million benefit plan members in all 50 states and DC since 1987.

Over a million online insurance enrollments since 1997.
 Get a quote from the insurance exchange
There are many health plan choices available today but how do you know who to trust for the best advice in making the best choice?
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Small business benefits

Freedom Benefits brings more than 25 years experience of service for affordable health plans and related benefit plans for small business clients located in every state across the U.S. We do not believe that it is necessary for employers to drop health plans in response to health reform. Let us show some cost-saving options that can work for your small business.

For 2014, we offer FREE self-administered Medical Expense Reimbursement Plans as well as HRAs FSA, and HSA health plan setup specifically designed for small firms. These popular benefit plans are available at no additional cost for firms that use an affiliated private insurance exchange.

Download our small business health plan checklist

learn more ...

Employee benefits educationFreedom 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.
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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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editorial information
Mission Statement| Editorial Policy| Privacy Policy| About Freedom Benefits| News| Investors

This Web site 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 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. Any tax advice in this communication including attachments and linked resources cannot be used by the taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer.