Michigan Employee Benefits Consulting
Employee Benefits Built for Michigan Businesses
CFH Insurance Consultants helps small and mid-sized businesses in Mason, Michigan design smarter, more sustainable benefits programs — backed by 17+ years of expertise.
Comprehensive Employee Benefits Solutions
From health plans to ACA compliance, CFH handles every dimension of your employee benefits strategy — so Michigan business owners can focus on growth, not paperwork.
ICHRA & QSEHRA Consulting
CFH guides Michigan employers through Individual Coverage HRA and Qualified Small Employer HRA design — delivering tax-advantaged reimbursement strategies that give employees flexibility while controlling employer costs.
- Custom reimbursement limits
- Employee-choice flexibility
- Tax-advantaged funding
Self-Funded & Level-Funded Health Plans
For businesses ready to move beyond fully-insured models, CFH structures self-funded and level-funded arrangements that improve cash flow visibility, reduce premium waste, and reward healthy workforce behaviors.
- Predictable monthly costs
- Stop-loss protection
- Claims-data ownership
Group Health, Dental, Vision & Life Insurance
CFH designs and manages comprehensive group benefit packages — medical, dental, vision, and life — tailored to the specific workforce demographics and budget parameters of small and mid-sized Michigan employers.
- Carrier-agnostic selection
- Competitive renewal negotiation
- Employee communication support
Benefits Administration
Streamlined administration reduces HR burden and minimizes compliance exposure. CFH implements technology-enabled enrollment platforms and ongoing support so your team focuses on running the business, not managing paperwork.
- Online enrollment platforms
- COBRA & HIPAA management
- Year-round employee support
ACA Compliance Consulting
Navigating Affordable Care Act obligations is complex and high-stakes. CFH's compliance team — including attorneys and HR professionals — ensures applicable large employers meet reporting, coverage, and affordability requirements, avoiding costly penalties.
- 1094/1095 reporting
- Pay-or-play analysis
- Affordability safe harbors
Data-Driven Benefits Optimization
CFH leverages claims analytics, benchmarking data, and workforce insights to continuously refine your benefits strategy — identifying cost drivers, reducing unnecessary spend, and aligning plan design with employee utilization patterns.
- Claims trend analysis
- Market benchmarking
- ROI-focused plan design
Ready to evaluate which solutions fit your workforce?
Request a Free Benefits ReviewWhy Michigan Businesses Choose CFH
We are exclusively focused on employee benefits — no distractions, no compromises. Small and mid-sized employers across Mason, Michigan and the greater Oakland County region trust CFH because our multidisciplinary approach delivers measurable, lasting results.
Multidisciplinary Team
CFH brings together CPAs, HR experts, attorneys, and Chartered Financial Consultants — a depth of expertise no single-discipline broker can match.
Founded 2007 — 17+ Years of Experience
For nearly two decades, CFH Insurance Consultants has exclusively served Michigan employers, building institutional knowledge that translates into better plan outcomes.
Exclusively Focused on Employee Benefits
CFH does not chase multiple lines of business. Every resource, every relationship, and every hour of expertise is dedicated to employee benefits — and nothing else.
Data-Driven Benefits Optimization
CFH applies rigorous analytics to claims data, utilization trends, and market benchmarks to design plans that control costs while maintaining competitive coverage.
24/7 Expert Support
Benefits questions don't follow a 9-to-5 schedule. CFH clients receive around-the-clock access to expert guidance — from open enrollment through daily administration.
Serving Manufacturing, Healthcare & Professional Services
CFH has deep sector expertise across Michigan's core industries, enabling tailored benefits strategies that reflect the workforce realities of each employer.
Ready to see the CFH difference?
Michigan employers with 50 to 500 employees are discovering how a dedicated, advisor-first benefits partner simplifies compliance, reduces costs, and improves employee satisfaction. Schedule a no-obligation consultation today.
By the Numbers
Proven Results Across Michigan
Since 2007, CFH Insurance Consultants has partnered with small and mid-sized businesses throughout Mason, Michigan and the greater Oakland County region — delivering data-driven employee benefits strategies that reduce costs and attract top talent.
2007
Year Founded
Over 17 years of dedicated employee benefits expertise in Michigan.
17+
Years Serving Michigan Employers
A proven track record built with businesses across Oakland County and greater Michigan.
3
Key Industries Served
Manufacturing, Healthcare, and Professional Services — the backbone of Michigan's economy.
24/7
Expert Support Available
CFH's multidisciplinary team of CPAs, HR experts, attorneys, and Chartered Financial Consultants stands ready around the clock.
CFH Insurance Consultants is an independent employee benefits broker exclusively serving small and mid-sized employers across Mason, Michigan, Oakland County, and the greater Michigan region — with a multidisciplinary team including CPAs, HR professionals, attorneys, and Chartered Financial Consultants.
Trusted by Michigan Business Owners
See why employers across Oakland County and greater Michigan rely on CFH for their benefits strategy.
“CFH transformed how we approach employee benefits. After switching to a level-funded plan they designed, we reduced our annual premiums by over 18% — without cutting coverage. Their team explained every detail and ensured we stayed fully ACA-compliant. We finally have a benefits partner, not just a broker.”
Robert M.
VP of Operations
Mid-sized Manufacturing Firm
Oakland County, MI
“As a healthcare services company, our compliance requirements are especially complex. CFH's team — which includes CPAs and legal experts — gave us peace of mind on ACA reporting and helped us restructure our group health plan for a workforce of 120. Their data-driven analysis was unlike anything we'd experienced from a traditional broker.”
Sandra L.
Director of Human Resources
Regional Healthcare Group
Greater Michigan
“We're a professional services firm with 65 employees, and attracting top talent requires a competitive benefits package. CFH designed an ICHRA solution that gave our team more flexibility while actually reducing our cost burden. Their responsiveness and strategic thinking set them apart. I'd recommend them to any business owner in Michigan.”
James T.
Managing Partner
Professional Services Group
Mason, MI
CFH Insurance Consultants serves manufacturing, healthcare, and professional services businesses across Mason, Michigan, Oakland County, and greater Michigan — request a free benefits consultation today.
Common Questions from Michigan Employers
Small and mid-sized business owners across Mason, Michigan and greater Oakland County regularly ask these questions before engaging CFH Insurance Consultants. Straightforward answers follow below.
An Individual Coverage Health Reimbursement Arrangement (ICHRA) allows employers of any size to reimburse employees tax-free for individual health insurance premiums. A Qualified Small Employer HRA (QSEHRA) is a similar vehicle designed specifically for businesses with fewer than 50 full-time equivalent employees. Both strategies can dramatically reduce the unpredictability of traditional group premium increases while still providing meaningful, compliant health benefits. CFH Insurance Consultants evaluates your workforce demographics, budget parameters, and business goals to determine which reimbursement model — if any — delivers the strongest return for your organization.
Still have questions?
The CFH team is available to discuss your specific benefits needs — no obligation, no sales pressure. Schedule a complimentary strategy session today.
Request a Free ConsultationOr call us directly at 248.370.8853
Ready to Build a Better Benefits Strategy?
Schedule a free consultation with CFH Insurance Consultants and discover how data-driven benefits planning can reduce costs and attract top talent for your Mason, Michigan business.
Let's Talk Employee Benefits
CFH Insurance Consultants serves small and mid-sized businesses throughout Mason, Michigan and the greater Oakland County region. Connect with our multidisciplinary team of benefits experts — CPAs, HR professionals, attorneys, and Chartered Financial Consultants — to design a benefits strategy that works for your business and your people.
Phone
248.370.8853Office
41000 Woodward Avenue, Suite 350 EastBloomfield Hills, MI 48304
Request a Free Consultation
Complete the form below and a CFH benefits advisor will respond within one business day.