Michigan Benefits Broker Marks 17 Years Serving Mid-Market

ACA Compliance and Level-Funded Plans for Michigan Mid-Market Employers Since 2007

Bloomfield Hills, United States – May 20, 2026 / CFH Insurance Consultants /

CFH Insurance Consultants, an independent employee benefits brokerage headquartered in Bloomfield Hills, Michigan, has marked 17 years of continuous service to mid-market employers across the state, a milestone the firm is recognizing with the formal expansion of its consultative service model to address growing regulatory complexity under the Affordable Care Act.

Serving Michigan Mid-Market Employers Across a Changing Benefits Landscape

Founded in 2007, CFH Insurance Consultants has built its practice around employers in the 50-to-500-employee range – a segment that carries Applicable Large Employer status under the ACA and faces significant compliance obligations that smaller brokerages are often not equipped to navigate. The firm operates with a 28-person team and serves businesses across Metro Detroit, Grand Rapids, Lansing, and communities throughout Michigan.

The firm’s focus on ACA compliance employer obligations reflects the practical demands facing mid-market companies. Applicable Large Employers are required to offer minimum essential coverage that meets affordability and minimum value standards or face potential excise tax exposure under Internal Revenue Code Section 4980H. CFH Insurance Consultants works directly with employers to structure benefit programs that satisfy these requirements while managing plan costs over time.

Level-Funded and Alternative Funding Structures

A central component of the firm’s service offering involves alternative funding arrangements, particularly level funded health plans, which have gained traction among mid-market employers seeking more cost transparency than fully insured arrangements typically provide. Under a level-funded structure, employers pay a fixed monthly amount that covers expected claims, stop-loss insurance, and administrative fees. At year end, favorable claims experience can result in a partial refund – a feature that distinguishes these plans from conventional group insurance.

CFH Insurance Consultants also structures self-funded health plans and implements Individual Coverage Health Reimbursement Arrangements (ICHRAs) and Qualified Small Employer Health Reimbursement Arrangements (QSEHRAs) for clients whose workforce composition or cost strategy calls for a more individualized reimbursement model. These arrangements allow employers to define a fixed contribution while employees select their own coverage through the individual market.

Credentials and Consultative Approach to Employee Benefits Michigan

The firm holds professional designations including the Certified Employee Benefit Specialist (CEBS), Group Benefits Associate (GBA), and Registered Health Underwriter (RHU) credentials, and maintains active membership in the National Association of Health Underwriters (NAHU). These affiliations reflect a commitment to technical proficiency in plan design, regulatory compliance, and fiduciary practices.

Unlike transactional brokerage models that engage clients primarily at renewal, CFH Insurance Consultants operates on a year-round consultative basis. That means ongoing support for plan administration, compliance monitoring, employee communications, and mid-year plan analysis – not just annual coverage placement. For mid-market companies managing employee benefits Michigan-wide, that ongoing engagement reduces the administrative burden on internal HR and finance teams.

The firm’s multi-line capabilities extend beyond medical coverage to include dental, vision, life, disability, and voluntary benefits, allowing employers to consolidate their broker relationship and align benefit strategy across all lines of coverage.

Michigan Geographic Reach and Independent Brokerage Structure

As an independent broker, CFH Insurance Consultants is not tied to any single carrier or product portfolio. That independence allows the firm to conduct objective market analysis and recommend funding structures and carriers based on each employer’s specific risk profile, workforce demographics, and financial objectives.

With level funded health plans becoming a more prominent option in the Michigan mid-market segment, and with ACA reporting and compliance requirements continuing to evolve, the firm’s 17-year tenure positions it as an established presence for employers navigating these decisions without in-house actuarial or legal resources.

About CFH Insurance Consultants

CFH Insurance Consultants is an independent employee benefits brokerage firm headquartered in Bloomfield Hills, Michigan. Established in 2007, the firm serves employers with 50 to 500 employees across Michigan, including Metro Detroit, Grand Rapids, and Lansing. The firm’s 28-person team specializes in ACA compliance, level-funded and self-funded health plan design, ICHRA and QSEHRA implementation, and multi-line group benefits. Professional credentials held by firm staff include CEBS, GBA, and RHU designations, and the firm is a member of the National Association of Health Underwriters.

Learn more at CFH Insurance Consultants