Freedom Benefits was founded in 1987 to help individuals and small businesses sort through their complex health coverage choices through group benefits education programs and one-one-one online advisory programs including the brand names OnlineNavigator and OnlineAdviser. Freedom Benefits uses three primary Web sites delineating different lines of service: FreedomBenefits.co provides employee benefits education. FreedomBenefits.net covers national online supplemental insurance exchanges that deliver lower cost, limited benefit and supplemental insurance in each of the 50 states and the District of Columbia. FreedomBenefits.org provides free employee benefit documents and educational publications including the new HRA programs for small business employers. All programs and services focus on providing fast direct consumer access to an independent professional by telephone. video call and e-mail. "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator" are trademarks of Tony Novak, CPA, MBA, MT.