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Give your business a competitive advantage with professionally designed employee benefits at a lower overall price.
Accident | 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 | Telemedicine | Travel


Our services include assistance with the planning, design, documentation, installation, monitoring and reporting of the employee benefit plans.


For qualifying businesses all of the benefit plan services are available without administrative charge. We are paid entirely by the third party service providers.

Other businesses - Services are available at a quoted fee based on the estimated time requirement for the service.


Qualifying businesses are eligible for these services without a fee, based on a number of factors including:
  • business structure and employee demographics
  • Employee e-mail system
  • existing benefit plans
  • budget for benefits
  • ability to assign agent of record
Size of the business, industry and location are not significant factors in determining legibility.

How to get started

Request an exploratory interview to discuss how your business could benefit from these services.

Health reimbursement arrangement (HRA)

Freedom Benefits offers personal and professional employee benefit services that allow your small business to offer benefits that rival those of much larger companies.


Allows the employer to break free of the grip of rising health insurance costs by defining the level of financial contribution and allows employees to select the health benefits that give the greatest value. Employer solely controls the contributions.

See the list of all employee benefit plans available.


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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 other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.