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Your personal guide to coverage beyond Obamacare.
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This is a summary of the privacy policy and practices applicable to OnlineAdviser & OnlineNavigator support. Our complete privacy policy is available here.

Your Name, E-mail address, and state of residence are requested as the minimum identification information required for the use of any support service.

Any other personal information you may provide is voluntary. In general, the more information you provide in communications with your adviser the better the quality of the advice you adviser may provide.

Your personal information is used only by the individual adviser to provide direct personal support and advice and is not available to any other person or company without your specific consent.

Live Support Options

Two independent professional support options available on request

Online insurance enrollment systems at and the private exchanges are designed to be self-service systems. Assistance is not required in most cases. Freedom Benefits support is offered to supplement and to replace the web-based enrollment services for those cases where additional personal help is desired outside of the traditional enrollment systems.

We no longer provide support for state insurance exchange enrollment, aka "Obamacare".

User support for this web site is provided by accountant/adviser Tony Novak through two systems:

Email support:
Free email support is available daily, usually with same day response. Address your message to

Telephone support:
Both free and paid telephone support may be available, depending on adviser schedule demands. Schedule telephone support with a call back at your convenience.

Typically up to 6 minutes is available free of charge and support beyond that is offered on a per minute rate. See Novak's "Services" web page for more information.

Non-English language services
Limited support is available in Spanish language on request. Your request will be transferred from Novak to another support representative.

Adviser support is an independent service offered by Tony Novak, CPA, MBA MT subject to the adviser's schedule availability. This support is not intended to replace the services offered and available through other channels by your insurance company, insurance agents and health insurance navigators. Specifically, this service does not replace  online pricing and enrollment functions, billing, claims or administrative services and does not assist with Medicare or Medicaid plans.




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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.