Preheat your oven to 375°F (190°C). This ensures that your bagels get a nice golden color and perfect texture.
In a mixing bowl, combine the unbleached all-purpose flour, ground cinnamon, granulated sugar, baking powder, and kosher salt. Whisk them together until well-blended.
Add the non-fat Greek yogurt to the dry ingredients. Using a spatula or wooden spoon, mix until a dough forms. The mixture will be slightly sticky but should hold together.
Lightly flour your work surface and transfer the dough. Knead it gently for about 1-2 minutes until it becomes smooth. Be careful not to over-knead, as this can lead to tough bagels.
Divide the dough into equal portions (about 4-6, depending on your desired size). Roll each piece into a rope and form it into a circle, pinching the ends together. Place them on a baking sheet lined with parchment paper.
Using a pastry brush, gently brush the tops of the bagels with the beaten egg white or whole egg. This will give them a beautiful, shiny finish.
Sprinkle the mini semi-sweet chocolate chips onto the tops of the bagels, pressing them in slightly to ensure they stick during baking.
Place the baking sheet in the preheated oven and bake for 20-25 minutes or until the bagels are golden brown. Your kitchen will be filled with the irresistible aroma of cinnamon and chocolate!
Once baked, allow the bagels to cool on a wire rack for a few minutes. Serve warm or let them cool completely before storing.