Michigan Employee Benefits Built for Your Business
CFH Insurance Consultants helps small and mid-sized Michigan employers design smarter, cost-effective benefits — ICHRA, group health, self-funded plans, and full ACA compliance.
Comprehensive Employee Benefits Solutions
CFH Insurance Consultants provides Michigan small and mid-sized businesses with a full spectrum of employer-sponsored benefits consulting — from ICHRA design and self-funded plan structuring to ACA compliance and ongoing benefits administration.
ICHRA & QSEHRA Plans
Individual Coverage and Qualified Small Employer HRAs give Michigan employers flexible, tax-advantaged alternatives to traditional group coverage — designed to control costs without sacrificing employee choice.
- Defined contribution model
- Tax-advantaged reimbursements
- Compliant with ACA requirements
Self-Funded & Level-Funded Health Plans
Employers with 50–500 employees often achieve significant premium savings by moving beyond fully insured plans. CFH designs self-funded and level-funded structures that provide cost transparency and cash-flow predictability.
- Detailed claims-cost visibility
- Monthly cost predictability
- Tailored stop-loss protection
Group Health, Dental, Vision & Life Insurance
A competitive benefits package attracts and retains top talent across Michigan's manufacturing, healthcare, and professional services sectors. CFH sources and manages comprehensive group coverage aligned to your workforce needs and budget.
- Carrier-agnostic plan comparisons
- Group dental & vision bundling
- Employer-sponsored life coverage
Benefits Administration
Streamline enrollment, eligibility, and carrier communications with CFH's technology-aligned administration solutions. Our team reduces the administrative burden on HR departments so leaders can focus on their core business.
- Digital enrollment platforms
- Eligibility & carrier coordination
- Ongoing HR team support
ACA Compliance Consulting
Affordable Care Act requirements carry real financial penalties for non-compliance. CFH's team — including CPAs and legal experts — guides Michigan employers through reporting obligations, affordability thresholds, and coverage mandates.
- 1094/1095 filing support
- Affordability calculations
- Penalty risk assessments
24/7 Expert Support
Benefits questions don't keep business hours. CFH's multidisciplinary team — comprising CPAs, HR professionals, attorneys, and Chartered Financial Consultants — provides around-the-clock guidance when Michigan employers need it most.
- Round-the-clock accessibility
- Multidisciplinary advisory team
- Proactive renewal & plan reviews
Serving employers across Allendale, Oakland County, and greater Michigan since 2007. info@cfhic.com
Why Michigan Employers Choose CFH
Small and mid-sized businesses across Allendale, Oakland County, and greater Michigan trust CFH Insurance Consultants to design benefits programs that reduce costs, ensure compliance, and attract top talent. Here is what sets the CFH team apart.
Multidisciplinary Expert Team
CFH's team brings together CPAs, HR professionals, attorneys, and Chartered Financial Consultants — a breadth of expertise that enables holistic benefits strategy across financial, legal, and human resources dimensions.
17+ Years of Michigan Market Expertise
Founded in 2007, CFH Insurance Consultants has built deep, lasting relationships with Michigan employers. That institutional knowledge of the local regulatory landscape and labor market drives better outcomes for every client.
Exclusive Employee Benefits Focus
CFH concentrates solely on employer-sponsored benefits — group health, dental, vision, life, ICHRA, and ACA compliance. This undivided focus means clients receive specialist-level counsel, not generalist advice.
Data-Driven Cost Optimization
CFH analyzes claims data, utilization trends, and plan performance to surface cost-reduction opportunities. Employers gain evidence-based strategies that control spending without compromising the quality of employee coverage.
24/7 Expert Support
Benefits questions don't keep business hours. CFH provides around-the-clock access to knowledgeable consultants, ensuring Michigan employers and their HR teams always have an authoritative resource when it matters most.
Integrated HR, Technology & Compliance Strategy
CFH develops clear, sustainable benefits strategies that align HR administration, benefits technology platforms, and ACA compliance obligations — eliminating friction and reducing risk for small and mid-sized Michigan employers.
An independent advisor with no P&C distractions
Unlike generalist brokers, CFH Insurance Consultants devotes its entire practice to employer-sponsored benefits. That singular focus means Michigan employers receive purpose-built strategies — not off-the-shelf products — from a team that understands the nuances of the Michigan market and the demands of businesses with 50–500 employees.
Explore CFH's full range of servicesTrusted by Michigan Employers Since 2007
CFH Insurance Consultants has built its reputation as the region's premier independent employee benefits firm — delivering data-driven group health plans, ACA compliance solutions, and hands-on support to small and mid-sized businesses across Michigan.
Independent benefits expertise since 2007, exclusively focused on Michigan's employer community.
Manufacturing, healthcare, and professional services companies across Oakland County and greater Michigan.
Around-the-clock access to benefits specialists — because HR decisions don't follow a 9-to-5 schedule.
Established as an independent, Michigan-based benefits consulting firm with no P&C distractions.
Industries We Serve Across Michigan
Serving employers with 50–500 employees in Oakland County, Allendale, and across the greater Michigan market.
Industry Expertise
Serving Michigan's Leading Industries
CFH Insurance Consultants delivers tailored employee benefits strategies for employers with 50–500 employees across manufacturing, healthcare, and professional services throughout Oakland County and greater Michigan.
Michigan's manufacturing sector faces intense competition for skilled talent. CFH designs cost-effective, ACA-compliant group health and benefits packages that help manufacturers attract and retain the workforce they need — without straining operational budgets.
- Group health & dental for hourly and salaried workforce
- Self-funded and level-funded plan strategies
- ACA compliance and reporting support
Healthcare organizations must offer compelling benefits to compete for clinical and administrative professionals across Michigan. CFH helps healthcare employers build comprehensive, sustainable benefits programs aligned with workforce expectations and regulatory requirements.
- Rich benefit plan design for clinical staff
- ICHRA and QSEHRA integration options
- Ongoing benefits administration support
Law firms, accounting practices, engineering consultancies, and other professional services firms in Oakland County and greater Michigan trust CFH to deliver sophisticated employee benefits solutions that reflect the expectations of high-value professionals.
- Executive and key-employee benefit strategies
- Level-funded plans for cost predictability
- Employer-sponsored dental, vision, and life insurance
Whether your organization operates on the manufacturing floor, in a clinical setting, or across a professional services practice in Allendale, Oakland County, or anywhere in Michigan, CFH Insurance Consultants provides independent, data-driven employee benefits consulting tailored to your industry and workforce.
Client Perspectives
What Michigan Employers Are Saying
Michigan employers across manufacturing, healthcare, and professional services trust CFH Insurance Consultants to deliver expert benefits guidance, measurable cost savings, and comprehensive ACA compliance support.
“CFH Insurance Consultants completely transformed how we approach employee benefits. Their team took the time to understand our workforce and designed a level-funded health plan that saved us nearly 22% compared to our previous fully-insured arrangement — without reducing coverage quality. Their ACA compliance guidance alone has given our HR team enormous peace of mind.”
James Hartwell
Vice President of Operations
Hartwell Precision Manufacturing · Grand Rapids, MI
“As a mid-sized healthcare organization in Michigan, navigating ACA compliance and group health plan design was becoming overwhelming. CFH's multidisciplinary team — including their HR specialists and compliance attorneys — provided a level of strategic guidance we simply couldn't find elsewhere. They don't just sell insurance; they serve as a true consulting partner.”
Dr. Sandra Meyers
Chief Human Resources Officer
Lakeshore Medical Group · Allendale, MI
“We were struggling to attract and retain talent in a competitive market. CFH helped us implement an ICHRA solution that gave our employees flexibility while controlling our benefits costs. The team was responsive, knowledgeable, and walked us through every step. For any Michigan employer looking to optimize their benefits strategy, CFH is the firm to call.”
Marcus Delacroix
President & CEO
Delacroix Professional Services Group · Oakland County, MI
Serving small and mid-sized employers across Allendale, Oakland County, and greater Michigan since 2007.
Ready to Optimize Your Employee Benefits?
Talk to a CFH benefits consultant today. CFH Insurance Consultants serves employers across Michigan with data-driven plans that control costs and ensure ACA compliance.
Connect with a Michigan Benefits Expert
Small and mid-sized businesses across Allendale and greater Michigan trust CFH Insurance Consultants to design cost-effective, ACA-compliant employee benefits programs. Whether evaluating group health insurance, ICHRA, or self-funded plans, CFH's multidisciplinary team delivers clear, actionable guidance.
Phone
248.370.8853
info@cfhic.com
Office
41000 Woodward Avenue, Suite 350 East
Bloomfield Hills, MI 48304
Serving Michigan employers since 2007. CFH Insurance Consultants provides independent employee benefits brokerage and consulting to businesses throughout Allendale, Oakland County, and greater Michigan — with no competing P&C lines of business to distract from CFH's exclusive focus on employer-sponsored benefits.
Request a Consultation
A CFH benefits specialist will follow up within one business day.