Employee Benefits Built for Michigan Businesses
Independent benefits consulting for small and mid-sized employers in Byron Center, Oakland County, and across Michigan — ICHRA, self-funded plans, ACA compliance, and more.
Comprehensive Employee Benefits Solutions
From ICHRA and QSEHRA to self-funded health plans and ACA compliance — every solution your Michigan business needs, delivered by one experienced, independent consulting team.
Serving Byron Center, Oakland County, and employers across Michigan from our Bloomfield Hills office.
ICHRA Plan Design
Individual Coverage HRA solutions that give Michigan employers predictable costs while offering employees flexibility to choose coverage that fits their needs.
QSEHRA Plan Design
Qualified Small Employer HRA plans structured for small businesses with fewer than 50 employees — a compliant, cost-effective alternative to traditional group coverage.
Self-Funded & Level-Funded Health Plans
Unlock the cost transparency and long-term savings of self-funding. CFH structures plans that transfer risk intelligently for Michigan manufacturers and mid-market employers.
Group Health Insurance
Fully-insured group health plan design, carrier negotiation, and ongoing management — comprehensive coverage that attracts and retains top talent across Michigan.
Dental & Vision Insurance
Dental and vision benefits that complete a competitive package. CFH sources and benchmarks carrier options to deliver value without unnecessary overhead.
Life Insurance
Group term life and voluntary life insurance programs that provide meaningful protection for employees and their families — an essential component of any competitive benefits strategy.
ACA Compliance Consulting
Stay ahead of Affordable Care Act obligations with proactive compliance analysis, reporting guidance, and penalty-avoidance strategies tailored to Michigan employers.
Benefits Administration Technology
Modern HR technology platforms that streamline enrollment, eligibility management, and employee communication — reducing administrative burden for your HR team.
24/7 Expert Support
Around-the-clock access to the CFH team. Whether a compliance question arises or an employee needs plan guidance, knowledgeable support is always available.
Not sure which solution fits your organization?
Speak with a Benefits ConsultantWhy Michigan Employers Choose CFH
Exclusively focused on employee benefits since 2007 — no P&C distractions, just deep expertise and measurable results for small and mid-sized businesses across Oakland County and beyond.
Founded in 2007 — 17+ Years Serving Michigan
CFH Insurance Consultants has built an enduring reputation advising Oakland County and greater Michigan employers on benefits strategy since 2007. Longevity in this market reflects trust, not luck.
100% Employee Benefits Focused
Unlike generalist brokers who divide attention across property, casualty, and personal lines, CFH concentrates exclusively on employee benefits — delivering deeper expertise and more targeted outcomes for every client.
Data-Driven Plan Optimization
CFH applies actuarial analysis, claims utilization data, and benchmarking intelligence to identify where employer dollars are best invested — reducing costs while maintaining or improving plan quality.
Hands-On Education and 24/7 Expert Support
Benefits literacy matters. CFH provides proactive employee education, renewal-season guidance, and around-the-clock access to expert support — ensuring HR teams and employees are never left without answers.
Technology, Compliance, and HR Alignment
CFH integrates benefits administration technology, ACA compliance consulting, and HR strategy into a unified roadmap — replacing fragmented point solutions with a sustainable, forward-looking benefits program.
Local Presence. Statewide Reach.
Headquartered in Bloomfield Hills and serving employers across Byron Center, Grand Rapids, Lansing, and the broader Michigan market — CFH Insurance Consultants combines local accountability with the depth of a dedicated statewide practice.
A Multidisciplinary Team in Your Corner
CFH brings together CPAs, HR experts, attorneys, and Chartered Financial Consultants — giving Michigan employers integrated expertise no single-discipline broker can match.
Certified Public Accountants
Our CPAs analyze the full financial picture — aligning benefits expenditures with tax strategy and long-term fiscal health to maximize employer ROI.
Human Resources Specialists
Michigan HR professionals who help design benefits programs that attract and retain talent — translating complex regulations into practical, people-centered solutions.
Employee Benefits Attorneys
Legal counsel embedded in every engagement — ensuring ACA compliance, ERISA adherence, and risk mitigation so Michigan employers operate with confidence.
ChFC® Designees
Chartered Financial Consultants who model self-funded, level-funded, and ICHRA structures — delivering data-driven plan designs calibrated for sustainable cost reduction.
28 Professionals. One Integrated Strategy.
Headquartered in Bloomfield Hills and proudly serving Byron Center and employers throughout Michigan, CFH's 28-person team operates as a unified advisory bench — not a referral network. Every client engagement draws on the full depth of the firm's legal, financial, and HR disciplines to deliver holistic benefits strategy from day one.
Trusted by Michigan Employers
Small and mid-sized businesses across Byron Center, Oakland County, and greater Michigan have partnered with CFH Insurance Consultants to reduce benefits costs, achieve compliance confidence, and deliver competitive packages their employees value.
"CFH Insurance Consultants transformed how we approach employee benefits. After transitioning to a level-funded health plan, we reduced our annual benefits spend by a meaningful margin while actually enhancing coverage for our team. Their team's analytical approach and deep knowledge of the Michigan market made all the difference."
David R.
President
Mid-Sized Manufacturer, West Michigan
"Navigating ACA compliance as a growing company felt overwhelming until we partnered with CFH. Their consultants — including a CPA and an employment attorney on the team — gave us a compliance roadmap that eliminated our exposure to penalties. We now have confidence that our benefits strategy is both competitive and fully compliant."
Melissa T.
HR Director
Professional Services Firm, Oakland County
"We implemented an ICHRA through CFH for our 75-person team and the results exceeded expectations. Employees gained access to individual health plans that better fit their needs, and our administrative burden dropped significantly. The CFH team was available every step of the way — their 24/7 support access is not just a talking point."
James K.
CEO
Healthcare Organization, Byron Center Area
CFH Insurance Consultants has served Michigan employers from our Bloomfield Hills office at 41000 Woodward Avenue, Suite 350 East since 2007 — exclusively focused on employee benefits, with no P&C distractions. Speak with our team at 248.370.8853 or info@cfhic.com.
The Numbers Behind Our Expertise
CFH Insurance Consultants has been the trusted, independent employee benefits partner for Michigan's small and mid-sized business community since 2007 — headquartered in Bloomfield Hills, proudly serving employers across Byron Center, Oakland County, and the greater Michigan market.
2007
Year Founded
Over 17 years of dedicated service to Michigan employers — exclusively focused on employee benefits.
17+
Years Serving Michigan Employers
From Byron Center to the greater Michigan market, we've spent nearly two decades optimizing benefits programs for small and mid-sized businesses.
24/7
Expert Support Access
CFH's multidisciplinary team — CPAs, attorneys, HR specialists, and Chartered Financial Consultants — remains accessible around the clock for our clients.
100%
Employee Benefits Focused
Unlike general brokers, CFH Insurance Consultants is exclusively dedicated to employee benefits — no distractions, just deep expertise and measurable results.
Common Questions from Michigan Business Owners
Michigan employers often have the same foundational questions before beginning a benefits review. CFH Insurance Consultants has answered them below — grounded in 17-plus years of independent benefits consulting experience across Byron Center, Oakland County, and the broader Michigan market.
Have a question not answered here? CFH's advisors are available to Michigan employers around the clock.
Request a Free Consultation
Ready to Optimize Your Employee Benefits?
Schedule a free consultation with CFH Insurance Consultants and discover how Michigan's leading independent benefits broker can reduce costs and simplify compliance.
- Exclusively focused on employee benefits since 2007
- Serving Byron Center, Oakland County, and Michigan employers statewide
- No P&C distractions — pure, deep benefits expertise
Request a Free Consultation
Serving Byron Center, Oakland County, and Michigan employers statewide.