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"Personal help with important health insurance decisions"
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low cost health insuranceWe can help you find the best  health plan by screening for the features you look for most often including eligibility, price, quality, features and member services.
OnlineNavigator support is also available on the following Web sites:

About the insurance exchange

Independent online enrollment support since 1997, updated for the Affordable Care Act

See the "About Us" page for more information about Freedom Benfits.

Freedom Benefits was founded in as an informal project by individuals from several firms to run consumer-oriented seminars about health and benefit plans. A non-profit association was formed in Pennsylvania in 1997 to provide employee benefit support and education as an ongoing service. The association is no longer active.

As the insurance and employee benefits moved toward Internet-based support systems, our focus shifted to providing help to individuals using online enrollment systems. Our independent volunteer enrollment advisers have provided insurance and benefit plan enrollment support in all 50 states and the District of Columbia. Over the past twelve years we've provided enrollment support to more than 100,000 members of hundreds of specific health insurance plans and related benefit programs nationwide.

Following implementation of the changes triggered by the Affordable Care Act of 2010, our focus narrowed to provide online email-based enrollment support for low cost and supplemental insurance to individuals using the various online insurance exchange products through

The web site will undergo a complete update in 2014 to reflect the changes triggered by the Affordable Care Act. All online support will be provided by the web site owner Tony Novak and all telephone support will be provided by representatives of Members Insurance Exchange.

Freedom Benefits is not an insurance company, insurance agent or broker. We do not directly handle any financial transactions or accept customer funds. We do not have access to personal information except what you may specifically provide in a request to an adviser for help. See our Privacy Statement for more details on how we handle OnlineNavigator support requests that may include personal information.

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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 resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other 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.