
Your Health Care, Explained"Health Literacy is needed to make health reform a reality" - HHS Secretary Kathleen Sebelius
"The ultimate success or failure of health reform depends on the work of navigators. We expect to set the standard of service for navigators at the highest level from the start."
- Tony Novak, Freedom Benefits

On March 12, 2012 the US Department of Health and Human Services issued interim final regulations on the establishment and operation of the state of federally operated health insurance exchanges. The revised rules further defined and strengthen the role of navigators in the exchange. This Web site provides an annotated draft of the regulations.
March 11, 2012 - The National Conference of State legislators issued an informative 6 page report on the status of health reform law
On July 11, 2011 the US Department of Health and Human Services (HHS) issued proposed rules for the establishment of health insurance exchanges and qualified health plans. We annotated a copy of the PDF version for our own business planning purposes here on this Web site.
The Affordable Care Act of 2010 opens the door to an alternative to insurance plans through coverage under accountable care organizations (ACO). Although these services are not currently available, we hope to offer enrollment support to ACOs on a local basis as they become available.
We are pleased to announce that OnlineNavigator provides enrollment support services for the government-sponsored pre-existing condition insurance plans.