Bloomfield Hills & Birmingham, Michigan
Michigan's Employee Benefits Experts
Independent benefits consulting for Michigan employers — ICHRA, self-funded plans, group health, and ACA compliance built around your workforce.
Comprehensive Employee Benefits Solutions
From ICHRA and self-funded health plans to dental, vision, and ACA compliance — tailored strategies for Michigan's middle market.
ICHRA & QSEHRA
Individual Coverage HRAs and Qualified Small Employer HRAs let employers offer tax-advantaged health benefits without the complexity of a group plan — a strategic fit for many Michigan SMBs.
Self-Funded & Level-Funded Plans
Capture the cost-control advantages of self-insurance while managing cash-flow risk. CFH designs self-funded and level-funded arrangements calibrated to your employee population and risk tolerance.
Group Health Insurance
As an independent broker, CFH accesses the full carrier marketplace to benchmark, negotiate, and place group health coverage that aligns with your budget and workforce needs.
Dental & Vision
Comprehensive dental and vision programs are among the most valued components of an employee benefits package. CFH sources competitive options from leading carriers across Michigan.
Life Insurance
Group term life and supplemental voluntary life programs provide meaningful financial protection for employees and their families — strengthening retention while managing employer costs.
Benefits Administration
Streamline open enrollment, employee onboarding, and ongoing plan management through technology-enabled administration solutions that reduce HR burden and improve accuracy.
ACA Compliance Consulting
Applicable Large Employer reporting, affordability calculations, and pay-or-play penalty analysis — CFH keeps mid-market Michigan employers on the right side of ACA requirements.
Data-Driven Benefits Optimization
CFH applies claims analytics, utilization benchmarking, and renewal forecasting to identify cost drivers and proactively redesign plans — delivering measurable savings year over year.
Benefits Technology
Modern HR technology platforms integrated with payroll and carrier systems reduce administrative friction, improve employee experience, and support accurate ACA and ERISA reporting.
Serving employers with 50–500 employees across Oakland County and greater Michigan. Request a consultation →
Our Differentiators
Why Michigan Employers Choose CFH
Founded in 2007, CFH Insurance Consultants is an independent broker exclusively focused on employee benefits — no P&C distraction, just deep expertise built for Michigan's middle market.
Independent Broker — Carrier-Neutral Advice
CFH is not tied to any single carrier. As an independent broker, the firm evaluates the full market to recommend solutions that align with each employer's workforce needs and budget — not a carrier's sales quota.
Multidisciplinary Expert Team
Clients benefit from a team that includes CPAs, HR specialists, attorneys, and Chartered Financial Consultants. This breadth of expertise ensures that benefits strategy, tax efficiency, legal compliance, and financial modeling are addressed in an integrated manner.
Data-Driven Benefits Optimization
CFH applies rigorous analysis to benefits design — evaluating claims data, utilization trends, and market benchmarks to identify cost-reduction opportunities while maintaining competitive coverage for employees.
Exclusively Focused on Employee Benefits Since 2007
Since its founding in 2007, CFH has concentrated solely on employee benefits. This singular focus means employers receive specialized knowledge in ICHRA, QSEHRA, self-funded plans, group health, ACA compliance, and beyond — without distraction.
24/7 Expert Support for Employers and Employees
Benefits questions don't follow a 9-to-5 schedule. CFH provides around-the-clock expert support so HR teams and employees can get timely, accurate answers when they need them most — reducing administrative burden on internal staff.
Serving Oakland County and Greater Michigan
With deep roots in the Michigan market, CFH understands the regulatory landscape, workforce demographics, and employer priorities specific to Oakland County and the broader state — providing locally informed, strategically sound guidance.
CFH serves employers with 50–500 employees across manufacturing, healthcare, and professional services — bringing enterprise-grade benefits strategy to Michigan's middle market.
A Proven Track Record Since 2007
CFH Insurance Consultants brings a multidisciplinary team — CPAs, HR professionals, attorneys, and Chartered Financial Consultants — to every employee benefits engagement.
2007
Year Founded
Over 17 years of employee benefits expertise serving Michigan employers
50–500
Employees Served
Tailored benefits strategies for small and mid-sized Michigan businesses
24/7
Expert Support
Around-the-clock access to benefits advisors when your team needs answers
100%
Employee Benefits Focused
No P&C distractions — exclusively dedicated to group benefits consulting
Serving Birmingham, Oakland County, and greater Michigan employers with independent, advisor-first benefits consulting.
Serving Michigan's Leading Industries
Specialized benefits strategies for manufacturing, healthcare, and professional services employers across Oakland County and greater Michigan.
Competitive Benefits for a Demanding Workforce
Michigan's manufacturing employers face unique workforce challenges — from skilled-trade retention to multi-shift workforce management. CFH designs self-funded and level-funded health plans that control costs without sacrificing the coverage quality needed to attract and retain top production talent.
- Stop-loss protection for self-funded plans
- Benefits strategies for hourly and salaried workforces
- ACA compliance support for large employer mandates
Benefits Expertise Designed for Healthcare Employers
Healthcare organizations understand the value of quality coverage — and expect the same rigor from their benefits partner. CFH brings deep compliance knowledge and independent broker objectivity to help Michigan healthcare employers design plans that meet the high standards of a clinical workforce.
- ICHRA and group health plan design for clinical staff
- Dental and vision plans aligned to healthcare sector norms
- Ongoing ACA and ERISA compliance consulting
Strategic Benefits That Support a Knowledge-Driven Team
Accounting firms, law practices, engineering consultancies, and other professional services organizations compete intensely for talent. CFH structures benefits programs — including QSEHRA, ICHRA, and premium group health plans — that signal organizational maturity and help close top-tier candidates.
- ICHRA and QSEHRA for flexible, tax-advantaged coverage
- Life, disability, and supplemental benefit design
- Benefits administration and employee communications support
Not sure which approach is right for your business?
Ask for a ConsultationTrusted by Michigan Employers
Michigan's small and mid-sized businesses rely on CFH Insurance Consultants to design benefit strategies that control costs, ensure compliance, and attract top talent.
"CFH restructured our benefits program around a level-funded health plan and saved us over $180,000 annually. Their team navigated every compliance detail so our HR team didn't have to. We finally feel like we have a strategic partner, not just a broker."
James R.
VP of Human Resources
Regional Manufacturing Firm
"When we needed to move to an ICHRA model, most brokers didn't understand the mechanics. CFH walked our leadership team through every detail — cost implications, ACA compliance, and employee communication. The transition was seamless and our cost savings exceeded projections."
Sandra M.
Director of Operations
Mid-Size Healthcare Group
"As a professional services firm with 75 employees, we needed a benefits advisor who understood our workforce. CFH delivered a comprehensive package — group health, dental, vision, and life — that's helped us recruit and retain top talent in a competitive market."
David K.
Managing Partner
Oakland County Professional Services Firm
Testimonials reflect the experiences of Michigan employers — names and identifying details have been generalized to protect client confidentiality.
Common Questions from Michigan Employers
Straightforward answers to the questions business owners and HR decision-makers ask most often when evaluating employee benefits strategies.
Have a question not answered here? CFH's advisors are available to provide direct answers.
Ask for a Consultation
Ready to Optimize Your Employee Benefits?
Connect with CFH Insurance Consultants — Michigan's independent employee benefits experts serving employers since 2007.