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Liazon

The industry-leading private benefits exchange empowering employers to move from defined-benefit to defined-contribution health and benefits funding.

Distribution & Sales Established Acquired
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Overview

Liazon is the industry-leading private benefits exchange platform, enabling employers to transition from defined-benefit to defined-contribution health and benefits funding strategies. Founded in 2007 by insurance and healthcare veterans in Buffalo, New York, the company has established itself as a critical technology provider in the employee benefits space.

The flagship product, Bright Choices Exchange, is an online benefits marketplace where employees personalize their coverage selections within employer-set budgets. The platform guides employees through decisions spanning health insurance, dental, vision, life insurance, disability, and voluntary benefits from multiple carriers. Liazon integrates with 75+ medical carriers and numerous ancillary benefit providers to deliver real-time quoting and enrollment.

Acquired by Willis Towers Watson (WTW) in November 2013 for USD 215 million, Liazon continues to operate as a key division within WTW's benefits administration portfolio. The platform now serves over 1,000 employer clients across 23 states, manages enrollment for more than 10,000 employees, and operates through a network of 400+ broker partners, including nine of the ten largest US insurance brokers.

Products & Services

Bright Choices Exchange

A multi-carrier private benefits exchange allowing employees to select customized coverage combinations within employer-defined contribution budgets. The exchange integrates with 75+ medical carriers, dental, vision, life, disability, and telemedicine providers.

Key Features

  • Multi-carrier real-time quoting and enrollment
  • Defined contribution budget management for employers
  • Employee plan comparison and decision support tools
  • Support for health, dental, vision, life, disability, and voluntary benefits

Target Users: Employers, Broker Partners

Employer Budget Tools

Defined contribution strategy solutions enabling employers to set predictable healthcare and benefits budgets, controlling costs while maximizing employee choice and satisfaction.

Key Features

  • Defined contribution budget modeling and reporting
  • Benefits spend analytics and employee selection pattern insights
  • Cost predictability and budget control for HR and finance teams

Target Users: Employers, HR and Benefits Managers

Decision Support & Education

Comprehensive educational materials, plan comparisons, and guided enrollment interfaces that help employees make informed benefits decisions across all coverage types.

Key Features

  • Guided enrollment workflows
  • Side-by-side plan comparison tools
  • Educational content on health, dental, vision, and voluntary benefits

Target Users: Employees

Broker Partner Programme

Licensing model enabling benefits brokers to offer private exchange capabilities to their employer clients, distributed under the Bright Choices brand or as third-party proprietary exchanges.

Key Features

  • White-label and co-branded exchange options
  • Broker-branded employee enrollment experience
  • Access to Liazon carrier network and decision tools

Target Users: Benefits Brokers

Integration & Administration

Reporting tools and integrations with HR and payroll systems supporting automated enrollment administration and carrier data exchange.

Key Features

  • HR and payroll system integrations
  • Automated enrollment administration
  • Benefits spend and selection reporting for employers

Target Users: Employers, HR and Benefits Administrators