Health Insurance & Employee Benefits


Whether you’re a large business, a small business, a sole proprietor, an individual, or a family, the Chautauqua County Chamber of Commerce can assist with your health insurance needs. 

Our trained benefits specialist, Craig Colburn, is a licensed insurance broker who can guide you to the best possible plan to suit your needs.  Whether it’s through the New York State health insurance exchanges or our own Bright Choices exchange, we offer competitive pricing, one-on-one consultations, and the latest information on federal and state requirements, with an abundance of products that will find just the right fit for you or your business.  Craig is certified to work within New York’s NYState of Health Exchange for individuals and Small Business SHOP (Small Business Health Options Program), and our own Bright Choices Exchange, which has been offering innovative Fortune 500 type benefits for companies of all sizes for several years. He can also assist with Medicare questions, Part C supplemental and advantage plans, and Part D prescription plans.

The Bright Choices® Exchange from Liazon includes options for up to eight health plans as well as life insurance, health savings and flexible spending accounts, dental plans, vision plans, dental insurance, and more.  Bright Choices helps businesses control their benefits costs, while offering greater coverage to employees.  In order to bring you the best selection of benefits, Liazon partners include:

  • Univera
  • Consult A Doctor
  • MetLife
  • Health Equity
  • VSP
  • Wellness by Choice
  • VPI Pet Insurance

Craig is available for one-on-one consultations by phone or in person.  Contact him now at to set up an appointment. 

For more about the current Bright Choices Exchange offerings, please see our current Benefits Catalogue. 

Benefits Overview – Small Group

Benefits Overview - Sole Proprietor 

To enroll in Bright Choices, call the Chamber today at 366-6200 or 484-1101, ext. 302.  Once your company is signed up, you and your employees can use the award-winning Bright Choices portal to learn about benefits and make enrolling online simple and efficient.

Once your company is signed up, you and your employees can use the award-winning Bright Choices portal to learn about benefits and make enrolling online simple and efficient.

Login instructions for Bright Choices:

Group Identifier: Chautauqua
Username: First and last initials and the last 4 digits of your Social Security Number (no dashes or spaces). The first time you log in, you will be asked to change your password.

Have questions? Call 716-366-6200 or 716-484-1101

For your convenience, you can download the group enrollment form for small groups or group enrollment form for sole proprietors or personal enrollment form here.

Federal law requires that employers provide a notice to employees about their prescription drug coverage. This notice relates to the Medicare prescription drug benefits (under Part D of Medicare). Specifically, this annual notice must inform Medicare-eligible individuals whether their employer-provided prescription drug coverage is “creditable.” Coverage is considered creditable if its actuarial value equals or exceeds the actuarial value of standard prescription drug coverage under the Medicare prescription drug benefit. This information is important because Medicare Part D imposes late enrollment penalties for Medicare-eligible individuals who do not maintain “creditable coverage” for any period of 63 days or longer and this notice provides employees with the information they need to determine if their employer-provided coverage is adequate to allow them to avoid late enrollment penalties in the future.

Attached below are notices that can be provided to inform employees of the status of their prescription drug coverage. The attached notices are based on model notices issued by the government agency that administers Medicare (“CMS”).

Please click link below to download the Notices and read notes below for further clarification:

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