Serving Clawson, Oakland County & Greater Michigan
Michigan Employee Benefits, Done Right
Independent benefits consulting for small and mid-sized businesses — ICHRA, self-funded plans, ACA compliance, and more. Serving Oakland County and greater Michigan since 2007.
Speak directly with a benefits expert: 248.370.8853
Comprehensive Employee Benefits Solutions
Tailored group benefits strategies for Michigan employers — from innovative health plan structures to full ACA compliance.
ICHRA & QSEHRA Plan Consulting
Design and implement Individual Coverage HRAs and Qualified Small Employer HRAs that give employees greater flexibility while delivering meaningful cost savings for Michigan employers.
- Personalized HRA contribution strategies
- Employee education and onboarding support
- Ongoing plan performance review
Self-Funded & Level-Funded Health Plans
Move beyond traditional fully-insured models. CFH guides employers through self-funded and level-funded structures that offer greater transparency and the potential for significant long-term savings.
- Stop-loss coverage analysis and placement
- Claims data review and cost projections
- Carrier and TPA vendor selection
Group Health, Dental, Vision & Life Insurance
Comprehensive group benefits packages built around the needs of your workforce. CFH brokers compete the market to secure the right coverage at the best available value for your organization.
- Medical, dental, and vision plan design
- Group life and disability coverage
- Renewal negotiation and benchmarking
ACA Compliance Consulting
Navigate Affordable Care Act requirements with confidence. CFH's multidisciplinary team — including attorneys and CPAs — monitors regulatory changes and keeps your business in full compliance.
- Employer mandate status analysis
- 1094-C / 1095-C reporting support
- ERISA and DOL regulatory guidance
Benefits Administration
Reduce the administrative burden on your HR team with streamlined benefits administration support. CFH helps implement technology platforms and processes that make open enrollment and ongoing management efficient.
- Benefits administration platform selection
- Open enrollment planning and execution
- Employee eligibility and change management
24/7 Expert Support
Benefits questions don't keep business hours. CFH provides around-the-clock access to a knowledgeable team that delivers prompt, accurate answers — so HR managers and business owners are never left without guidance.
- Dedicated account team access
- Rapid response to coverage and claims questions
- Year-round proactive plan monitoring
CFH Insurance Consultants is an independent broker serving small and mid-sized businesses throughout Oakland County and greater Michigan. info@cfhic.com · 248.370.8853
Why Michigan Businesses Choose CFH
A multidisciplinary team — CPAs, HR experts, attorneys, and Chartered Financial Consultants — exclusively focused on employee benefits.
Multidisciplinary Expert Team
CFH assembles CPAs, HR professionals, licensed attorneys, and Chartered Financial Consultants under one roof. This depth of expertise allows the firm to address benefits strategy, regulatory compliance, and financial planning simultaneously — delivering outcomes that a single-discipline broker cannot match.
Exclusive Employee Benefits Focus
CFH dedicates its entire practice to employee benefits consulting — group health, dental, vision, life, disability, ICHRA, QSEHRA, and self-funded plans. Without the distraction of property, casualty, or other insurance lines, CFH directs its full analytical resources toward designing, pricing, and administering benefits programs that perform.
Data-Driven Cost Reduction & Compliance
Every benefits recommendation is grounded in actuarial data, claims analysis, and current ACA compliance requirements. CFH identifies cost-containment opportunities — whether through plan redesign, alternative funding strategies, or carrier negotiations — and ensures each solution meets Michigan regulatory standards and federal mandates.
Serving Oakland County and greater Michigan since 2007
41000 Woodward Avenue, Suite 350 East, Bloomfield Hills, MI 48304
Independent, Advisor-First Benefits Consulting
As an independent broker, CFH is not captive to any single carrier or product line. That independence means every recommendation — whether a traditional group health plan, an ICHRA arrangement, or a self-funded strategy — is selected solely on its merit for the client's workforce and budget.
- Licensed and credentialed across Michigan — CPAs, Chartered Financial Consultants, and licensed HR professionals
- Exclusive focus on employee benefits: group health, dental, vision, life, and disability
- ICHRA, QSEHRA, self-funded, and level-funded plan design and administration
- ACA compliance consulting — penalty avoidance, reporting, and plan structuring
- Carrier-agnostic analysis to ensure the best fit for each employer's risk profile and goals
To learn how CFH's multidisciplinary approach applies to your organization, request a complimentary benefits consultation →
Trusted by Michigan Employers Since 2007
CFH Insurance Consultants has built its reputation on deep expertise, multidisciplinary advisory support, and an unwavering commitment to helping small and mid-sized businesses navigate employee benefits with confidence.
Nearly two decades of dedicated employee benefits consulting experience for Michigan employers.
Deeply rooted in Oakland County and serving businesses throughout greater Michigan.
A multidisciplinary advisory team that brings complementary expertise to every benefits decision.
Independent. Specialized. Accountable. CFH Insurance Consultants serves employers across Oakland County and greater Michigan — exclusively focused on employee benefits strategy, never distracted by unrelated lines of insurance.
What Michigan Employers Say
Business owners and HR leaders across Oakland County and greater Michigan trust CFH Insurance Consultants to simplify their employee benefits and protect their bottom line.
“CFH Insurance Consultants completely restructured our employee benefits program. They identified cost savings through a level-funded health plan that we didn't know were available to a business our size. Our premiums dropped meaningfully, and our team now has better coverage. The compliance guidance alone was worth every conversation.”
Patricia M.
HR Director
Oakland County Manufacturing Firm
“As a small business owner, navigating ACA compliance felt overwhelming. CFH walked us through every requirement and set up an ICHRA that actually works for our employees. Their team — CPAs, HR professionals, and legal experts — gave us confidence that we were doing things right. I recommend them to every Michigan business owner I know.”
James R.
Owner
Michigan Professional Services Company
“We had outgrown our original group health plan and weren't sure where to turn. CFH conducted a thorough analysis and transitioned us to a self-funded structure that reduced our overall benefits spend. Beyond the cost savings, their ongoing administration support and responsiveness have made managing employee benefits far less stressful for our HR team.”
Sandra L.
Vice President of Human Resources
Mid-Sized Michigan Healthcare Services Organization
CFH Insurance Consultants has served Michigan employers since 2007, delivering independent, conflict-free employee benefits guidance to businesses of all sizes.
Common Questions from Michigan Employers
Business owners and HR managers frequently ask these questions when evaluating employee benefits options. CFH Insurance Consultants provides clear, expert answers — and personalized guidance tailored to your organization.
Have a question that isn't answered here? CFH's consulting team is available to discuss your specific situation.
Speak with a Benefits Consultant
Ready to Reduce Benefits Costs and Stay Compliant?
Talk to a CFH benefits expert today — no obligation. We serve small and mid-sized businesses across Michigan.