We are proud to be a certified distributor of the Bright Choices®Exchange, a revolution in buying and delivering employee benefits.
For employers looking for a simple and effective benefits solution, private exchanges, such as the Bright Choices®Exchange, offer controlled costs and smooth, efficient administration. For employees, private exchanges are able to produce more customized and comprehensive benefits packages, along with better informed and more participatory benefits utilization.


Qualities of a Great Private Exchange
Public exchanges are available to anyone though generally serve individuals who’ve had difficulties acquiring af-fordable healthcare elsewhere. Private exchanges are established by employers and available only to serve the employer’s active and retired employees.
Operators
Public exchanges are operated by government entities at the state and federal level. Private exchanges are operated by private companies.
Products
Offerings on public exchanges are limited to medical, dental and vision. Private exchanges offer a broader product range including risk-management, financial, wellness, critical illness, and several other product types.
Subsidies
Public exchanges are financially supported by government subsidies, generally available to households with incomes less than four times the federal poverty level. Private exchanges are not government subsidized but supported by a defined employer contribution.