Michigan Employee Benefits Built to Reduce Costs
Independent benefits consulting for small and mid-sized Michigan businesses — ICHRA, group health, ACA compliance, and more. Serving Kingsford, Oakland County, and employers across Michigan since 2007.
Founded 2007 — 17+ years serving Michigan employers
Employee Benefits Solutions for Michigan Employers
CFH Insurance Consultants delivers independent, strategy-driven employee benefits consulting exclusively to small and mid-sized Michigan businesses — from Kingsford to Oakland County and across the state. Every service is designed to reduce costs, strengthen compliance, and simplify administration.
ICHRA & QSEHRA Plan Design
CFH designs Individual Coverage and Qualified Small Employer Health Reimbursement Arrangements that give Michigan employers predictable costs while expanding employee choice. Purpose-built for businesses seeking flexibility without sacrificing compliance.
- Fixed employer contribution budgets
- Eliminates group plan volatility
- Full ACA compatibility
Self-Funded & Level-Funded Health Plans
For mid-sized Michigan employers ready to move beyond traditional fully-insured coverage, CFH structures self-funded and level-funded plans that put cash-flow control and claims transparency back in your hands — while managing stop-loss risk.
- Real-time claims visibility
- Stop-loss protection included
- Potential for year-end surpluses
Group Health, Dental, Vision & Life Insurance
As an independent broker, CFH shops the full Michigan market to deliver competitive group health, dental, vision, and life insurance packages — without carrier bias. Michigan employers receive objective recommendations aligned with workforce demographics and budget.
- Unbiased carrier comparisons
- Comprehensive benefit packages
- Tailored to Michigan workforce needs
ACA Compliance Consulting
The Affordable Care Act imposes significant obligations on employers with 50 or more full-time equivalent employees. CFH's compliance team — including CPAs, HR specialists, and legal advisors — ensures Michigan businesses meet all ACA reporting, affordability, and coverage mandates.
- 6055 / 6056 reporting support
- Pay-or-play penalty avoidance
- Ongoing regulatory monitoring
Benefits Administration
CFH streamlines open enrollment, employee onboarding, and day-to-day benefits management for Michigan small and mid-sized businesses. Reducing administrative burden frees HR teams to focus on workforce strategy rather than paperwork.
- Streamlined open enrollment
- Employee onboarding support
- Carrier billing reconciliation
Benefits Technology Alignment
Modern benefits programs require modern platforms. CFH evaluates, implements, and optimizes HR and benefits technology solutions for Michigan employers — ensuring seamless integration between payroll, benefits, and employee self-service portals.
- HR platform evaluation & selection
- Benefits portal implementation
- Payroll integration support
Not sure which solution fits your business? Speak with a CFH benefits advisor — no obligation, no pressure.
Schedule a Free ConsultationWhy Michigan Businesses Choose CFH
Small and mid-sized employers across Kingsford, the Upper Peninsula, and greater Michigan trust CFH Insurance Consultants because independent, expert-driven benefits consulting produces measurably better outcomes for both employers and their workforce.
Founded 2007
17+ Years · Michigan-Based
28-Person Team
CPAs · Attorneys · ChFCs
Independent Broker — Unbiased Advice
As a carrier-agnostic independent broker, CFH Insurance Consultants recommends the benefit solutions that best serve each employer's workforce and budget — not the carrier with the highest commission.
Multidisciplinary Expert Team
CFH's team combines CPAs, HR specialists, attorneys, and Chartered Financial Consultants to deliver integrated guidance across benefits design, compliance, and financial risk management.
Founded 2007 — 17+ Years Serving Michigan
With roots in Oakland County and a statewide presence across Michigan, CFH has spent more than 17 years building deep expertise in the unique regulatory and market conditions facing Michigan employers.
Exclusive Employee Benefits Focus
CFH dedicates 100% of its practice to employee benefits — group health, dental, vision, life, ICHRA, QSEHRA, self-funded plans, and ACA compliance. There is no divided attention, no scope drift.
Data-Driven Cost Reduction & Risk Management
CFH applies actuarial analysis and claims benchmarking to identify cost-reduction opportunities, whether through plan redesign, self-funding strategies, or alternative funding arrangements.
24/7 Expert Support
Michigan business owners and HR teams have access to CFH's consultants around the clock. Questions about compliance deadlines, mid-year plan changes, or employee inquiries receive timely, expert responses.
Headquartered in Oakland County — Serving Michigan Employers Statewide
From Kingsford and the Upper Peninsula to Metro Detroit, CFH delivers local expertise with statewide reach.
Trusted by Michigan Employers
Michigan small and mid-sized businesses across manufacturing, healthcare, and professional services rely on CFH Insurance Consultants for measurable cost reduction, ACA compliance, and expert benefits guidance.
“CFH Insurance Consultants redesigned our group health plan using a level-funded structure that reduced our annual premium costs by over 18%. Their team handled the ACA compliance paperwork and walked us through every detail — we never felt left in the dark. For a manufacturer like us, controlling benefits costs is critical, and CFH delivered results we hadn't seen with any prior broker.”
Robert M.
Director of Operations
Kingsford-Area Manufacturing Company
“Switching to an ICHRA with CFH's guidance was the best benefits decision our clinic has made in years. They evaluated our workforce demographics, modeled three different plan scenarios, and helped us implement a compliant solution that gave our employees more flexibility. The ongoing support from their team — including after-hours availability — gives us real peace of mind.”
Sandra L.
Practice Administrator
Michigan Healthcare Practice
“As a professional services firm navigating rapid headcount growth, we needed a benefits partner who could scale with us and keep us compliant under the ACA. CFH brought a level of analytical rigor and strategic thinking that set them apart from every other broker we'd worked with. Their independence means they recommend what's actually right for us — not what's easiest to sell.”
James T.
Chief Financial Officer
Michigan Professional Services Firm
Serving Kingsford, Oakland County, and small and mid-sized businesses throughout Michigan since 2007 — exclusively focused on employee benefits.
Let's Talk About Your Benefits Strategy
Reach out to schedule a free consultation with our Michigan benefits experts.
Phone
248.370.8853Business Hours
Monday – Friday: 8:00 AM – 5:30 PM
24/7 support available for existing clients
Proudly serving small and mid-sized businesses throughout Michigan — including Kingsford, the Upper Peninsula, Oakland County, and the greater Detroit metro area.
Request a Free Consultation
Tell CFH's benefits experts about your business and goals. A specialist will follow up within one business day.
Ready to Optimize Your Employee Benefits?
Join Michigan businesses that trust CFH Insurance Consultants for independent, cost-effective benefits solutions.