Beverly Hills & Oakland County, Michigan
Employee Benefits Built for Michigan Businesses
Independent benefits consulting for Oakland County and Michigan employers — CFH Insurance Consultants designs data-driven, cost-effective strategies covering group health, ICHRA, QSEHRA, self-funded plans, and ACA compliance.
Comprehensive Employee Benefits Solutions
CFH Insurance Consultants delivers end-to-end employee benefits expertise to small and mid-sized businesses throughout Beverly Hills, Bloomfield Hills, and the greater Oakland County, Michigan market. From plan design to compliance, CFH manages every dimension of the benefits lifecycle.
ICHRA & QSEHRA Plan Design
CFH structures Individual Coverage HRA and Qualified Small Employer HRA arrangements that give Beverly Hills, MI employers greater cost predictability while offering employees portable, tax-advantaged coverage options.
Self-Funded & Level-Funded Health Plans
For qualifying mid-market Michigan employers, CFH designs self-funded and level-funded health plans that transfer risk intelligently, reduce administrative overhead, and unlock meaningful claims data for ongoing optimization.
Group Health Insurance
As an independent broker with no carrier allegiance, CFH evaluates the full marketplace to secure group health insurance solutions that balance comprehensive coverage, network access, and total cost-of-benefit for Oakland County employers.
Dental & Vision Insurance
CFH integrates dental and vision benefits into a cohesive total-rewards strategy, helping Michigan SMBs attract and retain talent while managing premium spend across voluntary and employer-sponsored tiers.
Life Insurance
CFH evaluates group term life, supplemental life, and AD&D options — designing employer-sponsored programs that provide meaningful income protection for employees and their families without overstretching benefit budgets.
Benefits Administration
CFH streamlines enrollment, eligibility management, and carrier billing — reducing the administrative burden on HR teams at Beverly Hills and Bloomfield Hills area businesses so they can focus on higher-value workforce initiatives.
HR Technology Alignment
CFH evaluates and aligns benefits platforms, HRIS systems, and payroll integrations to eliminate data silos, reduce manual errors, and create a seamless employee experience across the entire benefits lifecycle.
ACA Compliance Consulting
CFH's multidisciplinary team — including CPAs and attorneys — provides rigorous ACA compliance consulting, from affordability testing and reporting obligations to employer mandate tracking for Michigan employers with 50 or more full-time equivalents.
24/7 Expert Support
Benefits questions don't follow a 9-to-5 schedule. CFH provides around-the-clock access to knowledgeable advisors — ensuring Michigan business owners and HR leaders receive timely, accurate guidance whenever critical decisions arise.
Not sure which benefits solution fits your Michigan business?
CFH's independent advisors assess your workforce, budget, and compliance obligations — then deliver a strategy built specifically for your situation.
Why Michigan Employers Choose CFH
Since 2007, CFH Insurance Consultants has served small and mid-sized businesses throughout Beverly Hills, Bloomfield Hills, and the broader Oakland County market with a singular focus: delivering independent, analytically rigorous employee benefits strategies that reduce costs and protect workforces.
Independent Broker — No Carrier Bias
As an independent broker, CFH Insurance Consultants evaluates the full carrier marketplace on behalf of Michigan employers — not a predetermined portfolio. Every recommendation is driven by what is best for the client's workforce and budget, never by carrier relationships.
Multidisciplinary Team of Credentialed Experts
The CFH team brings together Chartered Financial Consultants, CPAs, HR professionals, and attorneys — all under one roof. This breadth of expertise enables comprehensive guidance across benefits strategy, plan design, tax implications, and regulatory compliance.
Data-Driven Benefits Optimization
CFH applies rigorous data analysis to evaluate plan performance, claims trends, and cost drivers. This analytical foundation enables Michigan employers to make informed decisions that measurably reduce costs while maintaining robust coverage for their employees.
Exclusive Employee Benefits Focus
CFH is not distracted by unrelated lines of insurance. Every resource, every specialist, and every advisory process is dedicated solely to employee benefits — delivering a depth of expertise that generalist brokers simply cannot match.
ACA Compliance & Regulatory Guidance
Navigating federal and state compliance requirements is complex. CFH's attorneys and compliance specialists provide clear, actionable guidance so Oakland County and Michigan employers remain confident and fully compliant.
24/7 Expert Support
Benefits questions don't wait for business hours. CFH provides around-the-clock access to knowledgeable support — ensuring Beverly Hills and Bloomfield Hills employers and their HR teams have expert assistance whenever it is needed.
Locally Rooted. Independently Operated.
A Trusted Partner for Beverly Hills & Oakland County Employers
Headquartered at 41000 Woodward Avenue in Bloomfield Hills, CFH Insurance Consultants has built a reputation as the adviser of choice for Michigan SMBs seeking clear, sustainable, and compliance-ready benefits strategies. The firm's multidisciplinary approach — combining CPAs, attorneys, HR professionals, and Chartered Financial Consultants — ensures every client receives coordinated guidance across every dimension of their benefits program.
A Proven Track Record Serving Oakland County & Michigan
CFH Insurance Consultants has partnered with small and mid-sized businesses across Beverly Hills, Bloomfield Hills, and the greater Michigan market since 2007 — delivering independent, data-driven employee benefits strategies that reduce costs and ensure compliance.
2007
Year Founded
Proudly serving Michigan employers for over seventeen years
17+
Years Serving Michigan
Deep roots in Oakland County and the broader Michigan market
24/7
Expert Support
Around-the-clock access to CFH's multidisciplinary advisory team
3+
Industries Served
Manufacturing, healthcare, and professional services employers
Multidisciplinary expertise — CPAs, attorneys, HR specialists, and Chartered Financial Consultants
CFH's independent, advisor-first approach means Michigan SMBs in Beverly Hills and across Oakland County receive unbiased guidance — no carrier affiliations, no conflicts of interest, and no distractions from Property & Casualty lines.
Serving Key Michigan Industries
CFH Insurance Consultants delivers sector-specific employee benefits strategies to small and mid-sized employers across Beverly Hills, Bloomfield Hills, and greater Oakland County, Michigan. Each engagement is calibrated to the regulatory environment, workforce dynamics, and financial objectives unique to the client's industry.
Competitive Benefits for a Demanding Workforce
Michigan's manufacturing sector operates in a high-turnover, skill-competitive environment where robust employee benefits are a strategic necessity. CFH designs cost-efficient, compliant benefit programs that help manufacturers attract and retain skilled trade workers — from production floors in Oakland County to facilities across the state.
- High-deductible plan design with employer HSA funding strategies
- Self-funded and level-funded health plan structures to manage claim costs
- ACA reporting and compliance for complex, multi-shift workforces
- Dental and vision plans that support blue-collar workforce expectations
Specialized Benefits for Healthcare Organizations
Healthcare employers face uniquely complex benefits environments — from clinical staff licensure requirements to stringent HIPAA-adjacent plan administration. CFH's multidisciplinary team, which includes attorneys and Chartered Financial Consultants, structures benefit programs that satisfy the regulatory demands of Michigan healthcare organizations while remaining fiscally sound.
- Group health plan design for clinical and administrative staff segments
- ICHRA and QSEHRA structures as viable alternatives to group coverage
- Benefits administration technology aligned with healthcare HR systems
- Life and disability programs tailored to licensed healthcare professionals
Talent-Retention Benefits for Knowledge-Driven Firms
Law firms, accounting practices, consultancies, and financial advisory businesses in Beverly Hills and Bloomfield Hills, Michigan compete for top talent regionally and nationally. CFH crafts premium-tier, tax-efficient benefit packages that distinguish professional services employers and reduce overall compensation overhead through strategic plan design.
- Executive and professional-grade benefit strategies for partner-level staff
- Defined contribution health alternatives through ICHRA and QSEHRA
- Level-funded health plans that reward low-utilization professional workforces
- Carrier selection and renewal negotiation without captive-carrier bias
CFH's industry coverage extends beyond these three primary sectors. Business owners and HR leaders throughout Michigan are encouraged to contact CFH at 248.370.8853 or info@cfhic.com to discuss how a tailored benefits strategy can serve their specific workforce needs.
What Michigan Employers Say About CFH
Business owners and HR decision-makers across Oakland County and Southeast Michigan rely on CFH Insurance Consultants for employee benefits expertise that delivers measurable results.
“CFH Insurance Consultants restructured our group health plan and moved us to a level-funded model. We reduced our annual benefits spend by nearly 18 percent without cutting coverage. Their team walked us through every compliance detail — ACA reporting, ERISA — so we never had to worry. For a manufacturing company our size, that peace of mind is invaluable.”
David Kowalski
VP of Operations
Oakland County Manufacturing Group
“As an HR director at a growing healthcare staffing firm in Beverly Hills, MI, managing benefits across a complex workforce was overwhelming. CFH's multidisciplinary team — CPAs, HR consultants, and compliance specialists — designed an ICHRA solution that gave our employees real flexibility while keeping our costs predictable. They are responsive, knowledgeable, and genuinely invested in our success.”
Michelle Hartley
Director of Human Resources
MidState Healthcare Staffing
“We are a professional services firm with about 85 employees, and we had outgrown our old fully insured plan. CFH reviewed our claims data, benchmarked carrier options, and recommended a self-funded arrangement that cut our premiums significantly. More importantly, they handle benefits administration and keep us aligned with ACA requirements year-round. I would recommend CFH to any Michigan employer looking for a true strategic partner.”
James Thornton
Managing Partner
Thornton & Associates, LLC
Serving small and mid-sized employers across Beverly Hills, Bloomfield Hills, and Oakland County since 2007.
Ready to Optimize Your Employee Benefits?
Schedule a free consultation with CFH's multidisciplinary team and discover a benefits strategy built for your Michigan business.
Contact CFH Insurance Consultants Directly
Serving small and mid-sized employers throughout Beverly Hills, Bloomfield Hills, Oakland County, and Michigan since 2007.