About was launched by Tony Novak in 2010 as a spin-off of the service in response to a surge in consumer questions revolving around the Patient Protection and Affordable Care Act. OnlineNavigator service was created to provide a convenient independent source of professional help with health insurance and health reform issues. See the Terms of Service page for details on services and operating procedures.

The initial focus was to provide consumer information and enrollment support for Medicaid eligible individuals and businesses through the state insurance exchanges. In early 2012 the availability of services will be expanded to all individuals who request professional help with the health insurance exchanges. The most often requested service was assistance with the Pre-existing Condition Insurance Plans (PCIP). In May 2012 the U.S. Department of Health and Human Services halted payments for enrollment assistance in the federally administered Pre-existing Condition Insurance Plans. We tried but were unsuccessful in establishing a fee for service operation. Eventually the site was changed to a free consumer service.

2015 CMS continuing education certification certificates for enrollment assisters are available here:

Legal disclosures

"OnlineAdviser", "OnlineNavigator" and "Freedom Benefits" are trademarks of Tony Novak. OnlineAdviser was launched in 1997 to provide free support for a wider range of consumer finance issues. Collectively these Web sites have received more than 300,000 unique visits since 1997. The principal adviser is Tony Novak, CPA, MBA, MT, a consumer health reform advocate with more than 25 years experience as a benefits adviser to clients nationwide. He is a licensed life and health insurance agent in all 50 states and DC and a certified Consumer Driven Health Care Consultant. Novak was the founder of MedSave and now operated Freedom Benefits. Case management and other support issues are handled by a small staff of experienced volunteers. There is no business plan for sustainable growth of these services and so we hope to attract a larger corporate partner after the dust settles from the haunch of health care reform.

Tony Novak is not an agent or navigator for any health insurance exchange but is a paid for advice, endorsements and promotions for insurance, exchanges, navigators other insurance-related programs.

The ".org" web site extension is used primarily because services are provided to the public free of charge. It is not meant to imply that the adviser's services are free of charge. This web domain extension is not meant to imply that that the site is affiliated with any organization or any department of government. OnlineNavigator is not a registered as a separate legal entity. OnlineNavigator is not a 501(c)(3) non-profit organization. Since we conduct no transactions there is no current need for either an entity or status registration.


The purpose of the service is to enable consumers to determine eligibility for a wide range of health plan options including insurance and accountable care organizations, make comparisons between these options, and enroll for coverage online. Our primary function is to assist with specific user questions. Much of the information on this Web site, as well as the information provided through one-one services offered, is taken from government sources and converted to a format that may make it easier for consumers to understand.

Consumer Focus

This Web site focuses solely on consumer issues and does not address employer requirements or concerns. We anticipate that the service will be primarily used by the employees of small businesses that replace group insurance plans with individual exchange-provided insurance.

Other Services for Individuals

Individual non-commissioned and independent financial planning services of Freedom Benefits are listed at Services and fees are similar to this service except that 1 to 2 hours is typically the minimum time required to discuss other broad-based or comprehensive financial planning issues.

Other Services for Businesses

Support for employers who wish to sponsor an exchange-based defined contribution health plan for employees is available through a related service at Plans can be customized to meet almost any specific employer requirements. Beginning in 2014, the basic services are offered free of charge to businesses using any affiliated insurance exchange.


OnlineNavigator is not affiliated with any government benefit program or commercial health insurance company or exchange. Novak is not appointed as an insurance producer for any qualified health insurance but does solicit and accept alternate forms of compensation that may be available from any insurance companies, exchanges and government entities. 

Freedom Benefits Association offers Web-based enrollment services and related support to health insurance companies, accountable care organizations, COBRA plan administrators and COBRA alternative providers but does not endorse any specific product or service. We do not endorse either the national health insurance exchange, state or commercial health insurance exchange or any exchange-listed product but rather provides guidance on a case-by-case basis after consideration of individual circumstances. 

Funding is not funded by any government or government-affiliated agency. A limited amount of free service is provided by the principal and volunteer navigators during the start-up phase. The cost of services is ultimately paid by the individual user or a third party like an employer, union, agent, insurance company or agency, accountable care organization, church-related organization or professional association.

Tony Novak offers his personal service at a reduced rate and waives minimum fee requirements for OnlineNavigator users in an effort to launch the service that we believe will be a much more important part of the health plan selection process in the future.

Accuracy of Information

Information is from sources believed to be accurate but cannot be guaranteed. All services are provided on a best efforts basis and subject to the Terms of Service. .

Privacy Statement

We do not sell or disclose personal information collected from our users. Any personal information that you may provide while using our service is used only to address the specific question and will not be used for any other purpose. See our Privacy Statement for more information.

HIPAA Security

We have policies in force to protect the privacy and security of your personal information as required by law. See our privacy statement enclosed with your client agreement for more information. We do not handle, and are not equipped to handle, personal health information as regulated under HIPAA.