How It Works

When it comes to employee benefits, people have very different needs. Instead of the usual "one-size-fits-all" approach, your employees can personalize and right-size their benefits portfolio with HUB International and Bright Choices.

The Bright Choices Exchange is a private benefits exchange (similar to an online store), where your employees can use the dollars you give them to buy the benefits they actually want. All your employees must do is fill out a questionnaire.  Based on their responses, they receive additional educational information and guidance as well as a personalized recommendation.  Next, they pick their portfolio of plans from a range of choices to complete the process.

How do you choose the plans that go in the Bright Choices store?

HUB International has selected the top national and regional carriers you know and trust to bring your employees a selection of top-notch benefit plans. Using proprietary analytics and technology, the most varied and cost-effective plans are selected to ensure each family's diverse needs are met.

How does Bright Choices help determine the best plans for employees and their families?

When employees login to Bright Choices, they will have access to a questionnaire which leads them through a series of questions, and then makes recommendations given their health profile, financial status, risk tolerance, and preferences. It reveals the actual cost of benefits and educates them to make informed decisions.

Do employees have to take the recommended product?

With Bright Choices, the employee is in control. They can choose the recommended plans or pick anything else in the store.

Finding the right protection is about combining the right portfolio of plans for that person or family and Bright Choices makes it easy.