Smarter Employee Benefits for Michigan Businesses
CFH Insurance Consultants designs ICHRA, self-funded, and level-funded benefit strategies that give middle-market Michigan employers real cost control and competitive packages that attract and retain top talent.
CFH Insurance Consultants — Bloomfield Hills, Michigan
No-obligation consultation · Michigan-licensed consultants · Middle-market specialists
Insurance Solutions for West Michigan
Innovative employee benefit strategies — from ICHRA and QSEHRA to self-funded and level-funded plans — designed for middle-market Michigan employers who demand cost control and quality coverage.
ICHRA
Individual Coverage HRAs let Michigan employers of any size fund tax-free reimbursements for employees to buy their own ACA-qualified individual health coverage — giving employers predictable costs and employees true plan choice.
- No minimum employer size requirement
- Fixed monthly employer budget
- Employees choose their own carrier & plan
QSEHRA
Qualified Small Employer HRAs are purpose-built for Michigan businesses with fewer than 50 full-time employees. Reimburse premiums and qualified medical expenses tax-free — without the complexity of a group plan.
- Designed for employers under 50 FTEs
- Reimburse premiums & qualified expenses
- Simple administration, no plan management
Self-Funded Plans
Self-insured group health plans give middle-market Michigan employers direct access to claims data, greater plan design flexibility, and the potential for significant cost savings versus fully-insured alternatives — backed by stop-loss protection.
- Employer retains underwriting profit
- Custom plan design & network options
- Stop-loss coverage to cap risk
Level-Funded Plans
A hybrid approach that combines the predictability of fully-insured premiums with the savings potential of self-funding. Michigan employers pay a fixed monthly amount — and receive a refund of unused claims reserves at year-end.
- Fixed monthly payments for budget certainty
- Year-end surplus refund potential
- Lower cost than traditional fully-insured
Group Health Insurance
Fully-insured group medical plans structured for Michigan middle-market employers. CFH Insurance Consultants shops the state's leading carriers — Blue Cross Blue Shield of Michigan, Priority Health, Cigna, Aetna, and more — to deliver the right fit for your workforce.
- Major Michigan carrier access
- HMO, PPO, and HDHP plan designs
- Annual renewal benchmarking & negotiation
Dental, Vision & Life
Complete your employee benefits package with group dental, vision, and life insurance. CFH Insurance Consultants bundles ancillary coverages to simplify administration, enhance employee satisfaction, and support recruiting and retention.
- Group dental & orthodontia options
- VSP / EyeMed vision networks
- Group term life & AD&D coverage
Not sure which benefit strategy fits your organization?
Our Michigan employee benefits consultants will analyze your workforce, current spend, and goals — then recommend the right solution at no obligation.
Why Michigan Employers Choose CFH Insurance Consultants
Deep alternative-funding expertise, a middle-market focus, and a consulting approach built around your organization's specific cost and coverage goals.
Measurable Cost Reduction for Employers
Cost discipline without sacrificing qualityWe engineer benefit strategies — ICHRA, QSEHRA, self-funded, and level-funded plans — specifically to reduce the per-employee cost of health coverage. Michigan middle-market employers we serve routinely see meaningful premium savings compared to traditional fully-insured group plans.
- Detailed cost-per-employee benchmarking
- Self-funded & level-funded stop-loss structuring
- Renewal negotiation and carrier market analysis
Middle-Market Michigan Employer Focus
Your size is our sweet spotWe concentrate exclusively on Michigan employers in the 25–500 employee range — organizations large enough to benefit from alternative funding strategies but often underserved by national brokers who prioritize Fortune 500 accounts. You receive senior-level attention every engagement.
- Dedicated senior consultant — not a call center
- Strategies scaled for 25–500 employee groups
- Decision-maker direct access throughout the year
Deep Expertise in Alternative Funding Models
ICHRA · QSEHRA · Self-Funded · Level-FundedICHRA, QSEHRA, self-funded, and level-funded plans require specialized knowledge that most generalist brokers lack. CFH Insurance Consultants lives in this space — we know the compliance requirements, plan design nuances, and carrier landscape across Michigan so your strategy is built right the first time.
- IRS and ACA compliance guidance included
- Custom plan document design and review
- Carrier & TPA relationships across Michigan
Data-Driven Benefits Consulting
Your data, working for your bottom lineSelf-insured and level-funded arrangements put claims data in your hands. We transform that data into actionable insights — identifying high-cost claimant trends, benchmarking your plan against industry peers, and recommending targeted interventions that improve outcomes and control costs year over year.
- Annual claims analytics and cost trend reporting
- Benchmarking against Michigan industry peers
- Proactive strategy adjustments at every renewal
Schedule Your Free Consultation
Ready to take control of your employee benefits spend? Connect with a CFH Insurance Consultants advisor today. Our Michigan team will analyze your current program, model alternative funding options, and deliver a clear path to smarter benefits.
Office Hours
After-hours consultations available by request for Michigan employer clients.
Let's Build Your Benefits Strategy
Our Michigan employee benefits consultants are ready to model ICHRA, self-funded, and level-funded alternatives against your current plan — and show you a clear path to better benefits at lower cost.
Serving middle-market employers across Michigan — from Bloomfield Hills and Detroit to Grand Rapids and beyond.
CFH Insurance Consultants partners with middle-market employers across Michigan to design ICHRA, QSEHRA, self-funded, level-funded, and fully-insured group benefit programs that reduce cost and improve employee satisfaction. Contact our Bloomfield Hills office to schedule a no-obligation strategy consultation.