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Tony Novak answers small business health care plan questions. He began reporting on health care reform issues for a local newspaper in 1983 and his practice now integrates a range of national insurance exchanges. His OnlineAdviser network handled tens of thousands of consumer health care requests since 1995.

No fee advice and setup help is usually available for independent cost-saving plans like HRAs, HSAs, FSAs and cafeteria benefit style plans when the plan members enroll through a Freedom Benefits affiliate. Some questions and service responses require an appointed agent or the plan’s member benefits staff. Novak is not affiliated with a health plan or government agency and is not a health plan agent for all plans in all states. He may need to refer you to an affiliated agent or insurance exchange in those cases where such support is needed.

Send a text message or leave a voice message at (302) 404-3263.