Michigan's Employee Benefits Specialists
Michigan's Employee Benefits Experts
Helping small and mid-sized businesses reduce costs, stay ACA-compliant, and offer competitive benefits — since 2007.
- Independent broker — your interests first
- Exclusively employee benefits, since 2007
- Serving Buena Vista & all of Michigan
Serving Buena Vista, Bloomfield Hills & businesses across Michigan · info@cfhic.com
Comprehensive Employee Benefits Solutions
From ICHRA and QSEHRA to self-funded plans and ACA compliance — CFH Insurance Consultants designs benefits strategies that fit your Buena Vista, Michigan business and your budget.
Group Health, Dental, Vision & Life Insurance
CFH designs comprehensive group benefit packages that attract and retain top talent for Buena Vista businesses — balancing cost control with meaningful coverage for employees and their families.
- Carrier market analysis across Michigan's top insurers
- Tailored plan structures for 2–500 employees
- Dental, vision, and life bundling options
ICHRA & QSEHRA Plan Design
Individual Coverage HRAs and Qualified Small Employer HRAs give Michigan employers a powerful alternative to traditional group coverage — offering flexibility and predictable budgeting without sacrificing employee choice.
- HRA plan design and employer contribution strategy
- Employee onboarding and marketplace guidance
- Ongoing compliance and plan management
Self-Funded & Level-Funded Health Plans
For mid-sized Michigan employers ready to move beyond traditional fully-insured models, CFH structures self-funded and level-funded arrangements that can dramatically reduce healthcare spend and unlock claims data transparency.
- Stop-loss coverage negotiation and placement
- Claims data analysis and cost benchmarking
- TPA coordination and plan document compliance
ACA Compliance Consulting
Navigating the Affordable Care Act's reporting, affordability, and coverage mandates is complex — and costly when mishandled. CFH's compliance experts protect Buena Vista area businesses from penalties and regulatory exposure.
- Applicable Large Employer (ALE) determination
- Forms 1094-C / 1095-C preparation and filing
- Pay-or-play penalty risk assessments
Benefits Administration
CFH streamlines open enrollment, eligibility management, and carrier communications so Michigan HR teams spend less time on administration and more time on people. Technology-enabled, hands-on support included.
- Online enrollment platform implementation
- New-hire eligibility and life-event changes
- Carrier billing reconciliation support
24/7 Expert Support
Benefits questions don't wait for business hours. CFH's multidisciplinary team — including CPAs, employment attorneys, and HR specialists — is accessible around the clock to support Michigan employers and their employees.
- Direct access to subject-matter experts
- Employee benefits education and communications
- Year-round plan monitoring and renewal strategy
Serving Buena Vista and the Greater Michigan Business Community
CFH Insurance Consultants operates from Bloomfield Hills, MI — delivering expert employee benefits guidance to small and mid-sized employers across Michigan, including manufacturing, healthcare, and professional services firms.
Why Michigan Businesses Choose CFH
Exclusively focused on employee benefits — with a multidisciplinary team that reduces your costs and compliance risk.
100% Employee Benefits Focus
CFH dedicates its entire practice to employee benefits — no distractions from unrelated lines. That singular focus means deeper expertise and better outcomes for Michigan businesses.
Multidisciplinary Expert Team
The CFH team includes CPAs, HR specialists, employment attorneys, and Chartered Financial Consultants. Few firms bring this breadth of expertise to a single benefits engagement.
Data-Driven Cost Reduction
CFH uses rigorous claims analytics and market benchmarking to identify cost drivers and engineer smarter plan designs — delivering measurable reductions in employer health spend.
17+ Years of Michigan Market Expertise
Founded in 2007, CFH has spent nearly two decades navigating Michigan's group insurance landscape. That tenure translates into carrier leverage and market intelligence local businesses count on.
Hands-On Education & 24/7 Support
CFH goes beyond plan placement. The firm equips HR teams and employees with the knowledge to use their benefits effectively — backed by around-the-clock expert support.
Serving 50–500 Employee Businesses Across Michigan
From Buena Vista to Bloomfield Hills, CFH supports small and mid-sized employers across the state — with strategies scaled to fit organizations at every stage of growth.
Proudly Serving Buena Vista & All of Michigan
An Advisor-First Approach to Benefits
CFH Insurance Consultants was founded with a clear mandate: bring the analytical rigor of a financial consultancy to the employee benefits space. Since 2007, the firm has helped small and mid-sized businesses across Michigan — including employers in the Buena Vista area — design benefit programs that attract top talent without eroding margins.
- Independent broker — not tied to any single carrier
- ACA compliance expertise built into every engagement
- Transparent, fee-based advisory with no hidden conflicts
CFH's Bloomfield Hills office serves employers across Michigan — from Buena Vista and the Great Lakes Bay Region to Metro Detroit. Explore our full suite of employee benefits solutions →
A Team Built for Benefits Complexity
Our multidisciplinary experts bring the legal, financial, and HR knowledge your benefits strategy demands. This depth of cross-disciplinary expertise is rare in the employee benefits space — and it directly benefits every client we serve.
Local Expertise. Statewide Reach.
Headquartered in Bloomfield Hills, CFH Insurance Consultants serves small and mid-sized employers throughout Michigan — including Buena Vista, Saginaw County, and the broader Great Lakes region.
Certified Public Accountants (CPAs)
Financial rigor applied to every benefits strategy — optimizing cost structures, tax treatment, and employer contributions for measurable bottom-line impact.
Human Resources Experts
Deep HR knowledge ensures every benefits package supports recruiting, retention, and workforce satisfaction goals across your organization.
Employment Attorneys
Legal insight embedded in every plan design — navigating ACA compliance, ERISA obligations, and regulatory requirements so your business stays protected.
Chartered Financial Consultants (CFCs)
Advanced financial planning credentials applied to group insurance strategy — delivering long-term value, risk management, and sustainable cost reduction.
What Makes CFH Different
Trusted by Michigan Employers
See how CFH Insurance Consultants has helped businesses across Buena Vista and greater Michigan reduce costs and simplify benefits.
"CFH Insurance Consultants transformed our benefits strategy. They restructured our group health plan and moved us to a level-funded arrangement — we reduced premiums by nearly 22% without cutting coverage. Their team understood our industry and our budget constraints from day one."
Marcus T.
HR Director, Mid-Michigan Manufacturing Co.
Buena Vista, MI
"Navigating ACA compliance felt overwhelming until we partnered with CFH. Their team — including a benefits attorney and a CPA — walked us through every reporting requirement. We haven't had a compliance penalty in three years, and our employees have better coverage than ever."
Sandra K.
CFO, Great Lakes Professional Services
Saginaw County, MI
"As a small business owner with 38 employees, I never thought we could afford competitive benefits. CFH designed an ICHRA plan that gave our team flexibility and kept us within budget. They're responsive, knowledgeable, and genuinely invested in our success."
David R.
Owner & President, Tri-County Building Supply
Buena Vista, MI
CFH Insurance Consultants proudly serves small and mid-sized businesses throughout Buena Vista, Saginaw County, and the greater Michigan region from our Bloomfield Hills office. Call 248.370.8853 to speak with a benefits consultant today.
Schedule Your Free Consultation
Talk to a CFH benefits expert about reducing costs and staying compliant. Call, email, or fill out the form — we respond promptly.
CFH Insurance Consultants serves small and mid-sized businesses in Buena Vista, Michigan and throughout the state. Our Bloomfield Hills office is staffed by multidisciplinary benefits experts — CPAs, attorneys, and financial consultants — ready to help your organization secure the right benefits at the right cost.
Office
41000 Woodward Avenue, Suite 350 East, Bloomfield Hills, MI 48304Serving Buena Vista and businesses across Michigan
Hours
Monday – Friday, 8:00 AM – 5:00 PM ET
Available when your business needs us
Request a Free Benefits Review
Complete the form below and a CFH consultant will be in touch within one business day.
Ready to Optimize Your Employee Benefits?
Join Michigan businesses that trust CFH Insurance Consultants for smarter, cost-effective benefits solutions. Serving Buena Vista and small and mid-sized employers across Michigan from our Bloomfield Hills office.