Serving Allen Park, Michigan & Southeast Michigan
Michigan Employee Benefits Built for Your Business
CFH Insurance Consultants designs data‑driven group health, dental, vision, and specialty benefit plans for small and mid‑sized employers across Michigan — so you can attract top talent and control costs.
Comprehensive Employee Benefits Solutions
From ICHRA and QSEHRA to self-funded plans and ACA compliance — CFH Insurance Consultants covers the full spectrum of group benefits for small and mid-sized employers across Allen Park and southeast Michigan.
ICHRA & QSEHRA Plan Design
Custom Individual Coverage HRA and Qualified Small Employer HRA strategies that give Allen Park and metro Detroit employers flexible, tax-advantaged alternatives to traditional group coverage.
Self-Funded & Level-Funded Health Plans
Reduce premium volatility and gain full claims transparency. CFH structures self-funded and level-funded plans sized for Michigan employers with 50–500 employees.
Group Health Insurance
Market analysis and carrier negotiations across Michigan's major insurers, ensuring small and mid-sized businesses secure competitive group health coverage at sustainable cost.
Dental & Vision Coverage
Comprehensive dental and vision plan design that strengthens total compensation packages — a critical differentiator when recruiting talent across southeast Michigan.
Life Insurance
Group term life and supplemental coverage options that provide meaningful employee protection while keeping employer contributions predictable and tax-efficient.
Benefits Administration
End-to-end enrollment management, carrier coordination, and employee communication — reducing HR burden for Michigan businesses so teams can focus on growth.
ACA Compliance Consulting
Navigate Affordable Care Act reporting, employer mandates, and penalty avoidance with confidence. CFH keeps Michigan employers audit-ready and fully compliant.
HR & Benefits Technology Alignment
Integration of benefits platforms with existing HRIS systems — streamlining eligibility, enrollment, and reporting workflows for HR teams of all sizes.
24/7 Expert Support
Ongoing access to a multidisciplinary team of CPAs, HR professionals, attorneys, and Chartered Financial Consultants — available around the clock for your most pressing benefits questions.
Serving employers with 50–500 employees across Oakland County, Allen Park, and metro Detroit.
Schedule a No-Obligation ConsultationWhy Michigan Employers Choose CFH
Exclusively focused on employee benefits — no P&C distraction — with a multidisciplinary team that delivers clear, sustainable strategies tailored to small and mid-sized businesses across southeast Michigan.
Exclusively Employee Benefits
CFH Insurance Consultants focuses entirely on group employee benefits — no property and casualty distraction. Michigan employers receive undivided expertise and uncompromised attention to their workforce strategies.
Multidisciplinary Advisory Team
The CFH team brings together CPAs, HR specialists, licensed attorneys, and Chartered Financial Consultants — delivering integrated guidance that spans benefits design, compliance, and workforce planning under one roof.
Data-Driven Benefits Optimization
CFH leverages claims analytics, cost benchmarking, and plan modeling to design benefit programs that control costs while maintaining competitive coverage — critical for small and mid-sized businesses managing tight margins.
24/7 Expert Support Access
Employee benefits questions don't follow business hours. CFH's round-the-clock support model ensures Michigan employers and their HR teams receive responsive guidance whenever compliance or coverage questions arise.
HR & Benefits Technology Alignment
CFH integrates modern benefits administration platforms that reduce HR administrative burden, simplify open enrollment, and give employers and employees intuitive tools for managing coverage and compliance.
Established Michigan Market Expertise
Founded in 2007, CFH has built deep roots serving employers across southeast Michigan — from Allen Park and Oakland County to metro Detroit — with a proven record of delivering sustainable, compliant benefit programs.
Serving Allen Park & southeast Michigan since 2007
Oakland County · Metro Detroit · Greater Michigan
A Trusted Advisory Partner
Small and mid-sized businesses in Michigan rely on CFH to navigate the complexity of group health, dental, vision, and life insurance — while remaining ACA-compliant and competitive in the talent market.
Explore our full service offering →
CFH Insurance Consultants is an independent employee benefits broker headquartered in Bloomfield Hills, MI — advising employers across southeast Michigan with objective, employer-first guidance.
A Multidisciplinary Team Committed to Michigan Employers
Allen Park and southeast Michigan businesses deserve more than a broker — they need an advisor-led team with the analytical depth to design benefits strategies that attract talent, control costs, and keep you compliant.
2007
Founded in Michigan
Over 17 years of dedicated employee benefits expertise serving southeast Michigan employers.
4+
Disciplines on Your Team
CPAs, HR experts, attorneys, and Chartered Financial Consultants — all focused on your benefits strategy.
24/7
Expert Support Access
Around-the-clock access to benefits guidance whenever your business needs it most.
500+
Employees Served Across Plans
Small and mid-sized Michigan employers trust CFH to manage group health, dental, vision, and specialty plans.
Exclusively employee benefits. CFH Insurance Consultants serves Michigan small and mid-sized businesses with zero distraction from property and casualty lines — 100% of our expertise is directed at your workforce benefits.
28 Specialists
On your team
Serving Michigan's Key Industries
Deep expertise in the sectors that drive Michigan's economy — manufacturing, healthcare, and professional services.
Michigan's manufacturing sector demands competitive benefits packages to attract and retain skilled workers on the floor and in the office. CFH Insurance Consultants structures group health, dental, vision, and life plans that help Oakland County and metro Detroit manufacturers compete for top-tier talent — while managing per-employee costs through self-funded and level-funded plan designs.
- Group health & specialty benefit plans
- Self-funded and level-funded options
- Workforce cost-control strategies
Healthcare organizations across southeast Michigan — from Allen Park medical groups to regional health systems — face unique compliance requirements and workforce retention pressures. CFH delivers ACA-compliant benefit strategies, ICHRA and QSEHRA plan designs, and benefits administration support tailored to the clinical and administrative workforce.
- ICHRA & QSEHRA plan design
- ACA compliance consulting
- Benefits administration support
Law firms, CPA practices, staffing companies, and consulting organizations in the greater Detroit metro area rely on CFH Insurance Consultants to design benefit packages that differentiate them in a competitive hiring market. From robust group health plans to voluntary dental and vision coverage, we build benefit programs that reflect the professionalism your clients and employees expect.
- Competitive group benefit programs
- Dental, vision & life insurance
- HR technology & administration alignment
Serving Allen Park, Oakland County & Southeast Michigan
CFH Insurance Consultants partners with small and mid-sized businesses employing 50–500 workers across the region — delivering employee benefit strategies that control costs, maintain ACA compliance, and help employers compete for top talent.
What Michigan Employers Say About CFH
Small and mid-sized businesses across Allen Park, Dearborn, Troy, and metro Detroit trust CFH Insurance Consultants to deliver measurable results — from cost savings and ACA compliance to innovative benefit structures that attract and retain top talent.
"CFH Insurance Consultants completely transformed how we approach employee benefits. They helped us move from a costly, one-size-fits-all group plan to a level-funded structure that reduced our annual premium spend by a meaningful margin — without reducing coverage quality. Our employees are happier, and we're better positioned to attract skilled talent in a competitive market."
David Harrington
President & CEO
Great Lakes Manufacturing Group • Allen Park, MI
"As an HR director managing benefits for over 200 employees across multiple southeast Michigan locations, ACA compliance was a constant source of stress. CFH brought clarity to an incredibly complex regulatory environment. Their multidisciplinary team — including attorneys and HR experts — gave us a compliance framework we trust completely. I can't imagine navigating this without them."
Sandra Kowalski
Director of Human Resources
Metro Health Services Partners • Dearborn, MI
"We're a professional services firm with 85 employees, and we struggled to offer competitive benefits on a tighter budget. CFH designed an ICHRA strategy that gave our team greater plan choice while actually reducing our fixed liability. They handled everything — from plan design to employee education — and their responsiveness is unmatched. They treat our business like it's their top priority."
Marcus Chen
Managing Partner
Axiom Business Consulting LLC • Troy, MI
Serving employers with 50–500 employees across Allen Park, Oakland County, and the greater metro Detroit area since 2007.
Ready to Optimize Your Employee Benefits?
Schedule a no-obligation consultation with CFH Insurance Consultants and discover a data-driven strategy built for your Michigan business. Serving Allen Park, southeast Michigan, and employers across the metro Detroit area.