Serving Ironwood & Michigan Employers Since 2007
Employee Benefits Built for Michigan Businesses
Independent benefits consulting — ICHRA, QSEHRA, self-funded and level-funded plans — designed to reduce costs and keep your team covered.
Comprehensive Employee Benefits Solutions
From ICHRA and QSEHRA to self-funded plans and ACA compliance, CFH Insurance Consultants covers every aspect of your employee benefits strategy — so Michigan business owners can focus on running their companies, not managing insurance.
ICHRA & QSEHRA Plan Design
Individual Coverage HRAs and Qualified Small Employer HRAs give Michigan businesses a flexible, tax-advantaged alternative to traditional group plans. CFH designs and implements the right HRA structure to match your workforce and budget.
- Defined-contribution cost control
- Employee choice of individual coverage
- Full IRS and ACA compliance documentation
Self-Funded & Level-Funded Health Plans
For small and mid-sized Ironwood-area employers ready to move beyond fully-insured plans, self-funded and level-funded structures can significantly reduce premium spend while delivering richer benefits.
- Monthly cash-flow predictability
- Stop-loss protection built in
- Claims data transparency and reporting
Group Health, Dental, Vision & Life
Traditional group coverage remains the cornerstone of competitive benefits packages. CFH sources and negotiates comprehensive health, dental, vision, and life insurance programs sized for Michigan employers with 50–500 employees.
- Carrier-agnostic market comparison
- Competitive renewal negotiation
- Integrated wellness program options
ACA Compliance Consulting
The Affordable Care Act imposes complex reporting and coverage mandates on employers. CFH's compliance team — including CPAs and employee benefits attorneys — keeps your organization ahead of evolving federal requirements.
- 1094-C / 1095-C filing support
- Applicable Large Employer (ALE) analysis
- Penalty risk assessment and mitigation
Benefits Administration
Streamline open enrollment, new-hire onboarding, and ongoing plan management. CFH coordinates directly with carriers and your HR team so that administrative burden stays off your plate and your employees experience a seamless benefits journey.
- Online enrollment platform setup
- COBRA and life-event management
- Employee communication and education
HR & Benefits Technology
Modern Michigan employers need technology that integrates payroll, HR data, and benefits enrollment in one platform. CFH evaluates and implements best-fit HR technology solutions aligned with your operational infrastructure.
- Payroll and HRIS integration
- Benefits portal and mobile access
- Data-driven decision reporting
Serving small and mid-sized employers across Ironwood and the Upper Peninsula of Michigan
CFH Insurance Consultants delivers independent, advisor-first benefits guidance — no carrier bias, no P&C distractions. Just expert employee benefits strategy built for Michigan businesses with 50–500 employees.
Why Michigan Employers Choose CFH
17+ years of exclusive focus on employee benefits — backed by a multidisciplinary team you won't find anywhere else.
Founded 2007 — 17+ Years Serving Michigan Employers
Since 2007, CFH Insurance Consultants has partnered with small and mid-sized Michigan employers to design and manage employee benefits programs that reduce costs and improve workforce retention.
Exclusive Employee Benefits Focus
Unlike generalist brokers, CFH dedicates 100% of its expertise to employee benefits. This singular focus means deeper knowledge, stronger carrier relationships, and better outcomes for Michigan business owners and HR decision-makers.
Multidisciplinary Team: CPAs, HR Experts, Attorneys & CFCs
Our team brings together Certified Public Accountants, HR professionals, legal counsel, and Chartered Financial Consultants — a breadth of expertise rarely available under one roof in the Ironwood, Michigan market.
Data-Driven Benefits Optimization
CFH applies rigorous analytics to benefits plan design, identifying cost drivers and structuring ICHRA, QSEHRA, self-funded, and level-funded solutions that deliver measurable savings without sacrificing coverage quality.
24/7 Expert Support
Employee benefits questions don't follow business hours. CFH provides around-the-clock access to knowledgeable advisors, ensuring employers and their teams receive timely, authoritative guidance whenever it's needed.
Clear, Sustainable HR & Benefits Technology Strategies
CFH aligns benefits administration technology with the operational realities of small and mid-sized businesses, delivering streamlined platforms that simplify compliance, reporting, and employee communications.
Serving Ironwood & Michigan Employers Since 2007
Independent counsel. Analytical rigor. Benefits that work for your workforce.
Trusted by Michigan Employers
Small and mid-sized business owners across Ironwood, Michigan and the Upper Peninsula rely on CFH Insurance Consultants to design benefits programs that control costs, ensure compliance, and support employee retention.
“CFH Insurance Consultants completely restructured our group health plan and moved us to a level-funded model. We reduced our annual benefits spend by over 18% while actually improving coverage for our employees. Their team handled every compliance detail — we never had to worry about ACA reporting again.”
Robert M.
Owner & President
Ironwood Precision Manufacturing
“As a healthcare practice administrator, benefits compliance kept me up at night. CFH walked us through an ICHRA implementation that gave our staff more flexibility and cut our per-employee cost significantly. Their responsiveness is unmatched — I can reach someone on the CFH team whenever I need answers.”
Sandra K.
Practice Administrator
Upper Peninsula Medical Group
“We were a 60-person professional services firm struggling with unpredictable renewal increases every year. CFH analyzed our claims data, recommended a self-funded plan structure, and delivered a benefits package our employees genuinely value. Our workforce retention has measurably improved since the switch.”
James T.
Managing Partner
Northwoods Business Solutions
Serving manufacturing, healthcare, and professional services employers across Ironwood, the Upper Peninsula, and Michigan statewide since 2007.
Schedule Your Free Benefits Consultation
Talk to a CFH expert today — no obligation, no pressure. We'll help you find the right plan for your team and your budget.
Contact CFH Insurance Consultants
Serving Michigan Employers — Including Ironwood & the Western U.P.
CFH Insurance Consultants works with small and mid-sized businesses throughout Michigan, with deep expertise supporting Ironwood-area employers in manufacturing, healthcare, and professional services. Whether you need group health insurance, ICHRA or QSEHRA plan design, or ACA compliance guidance, our team is ready to help.
Request a Free Consultation
Tell us about your business and current benefits situation. A CFH advisor serving Michigan employers will follow up within one business day.
Ready to Reduce Benefits Costs?
Join Michigan employers — including businesses throughout Ironwood and across the state — who trust CFH Insurance Consultants to design smarter, more affordable benefits strategies.