Strategic Employee Benefits for Dearborn Heights Employers
CFH Insurance Consultants designs and administers group health, dental, vision, and life benefits — including ICHRA, QSEHRA, self-funded, and level-funded plans — purpose-built for middle-market Dearborn Heights, Michigan employers.
20+
Years of Experience
B2B
Employer-Focused
Dearborn Hts
Locally Rooted
Employee Benefits Plans Built for Dearborn Heights, Michigan Employers
From traditional group health to innovative ICHRA and self-funded arrangements, CFH structures the right benefits strategy for your workforce and budget.
Group Health Insurance
Comprehensive fully-insured group medical plans designed for Dearborn Heights, Michigan middle-market employers. We shop the market across carriers to deliver the right network, cost-share, and ACA-compliant plan design for your workforce.
- ACA-Compliant Plan Design
- Multi-Carrier Market Analysis
- HSA & HRA Integration
- Renewal Strategy & Negotiation
Self-Funded & Level-Funded Plans
Take control of your health spend with self-funded or level-funded arrangements. CFH structures stop-loss coverage, claims administration, and plan documents to protect your bottom line while maximizing flexibility.
- Stop-Loss Structuring
- Third-Party Administrator (TPA) Selection
- Claims Analytics & Reporting
- Level-Funded Conversion Analysis
ICHRA & QSEHRA
Individual Coverage HRAs and Qualified Small Employer HRAs give Dearborn Heights, Michigan employers a compliant, tax-advantaged way to reimburse employee health premiums. We design, document, and administer the plan from day one.
- IRS-Compliant HRA Documents
- Employee Enrollment Support
- Affordability Safe-Harbor Calculations
- ACA Reporting & Compliance
Dental & Vision Benefits
Employer-sponsored dental and vision coverage that employees value — and that strengthens your total compensation package. We source group plans with predictable employer costs and competitive employee networks.
- Preventive & Major Dental Coverage
- Orthodontia Options
- Vision Exam & Allowance Plans
- Voluntary & Employer-Paid Tiers
Group Life & Disability Insurance
Protect your employees and their families with employer-sponsored group term life, short-term disability, and long-term disability coverage — a foundational component of any competitive Dearborn Heights, Michigan benefits package.
- Group Term Life (GTL)
- Short-Term Disability (STD)
- Long-Term Disability (LTD)
- Supplemental & Voluntary Life
Benefits Administration & Compliance
From open enrollment to ERISA plan documents, ACA 1094/1095 reporting, and COBRA administration, CFH manages the back-office complexity so your HR team can focus on your people.
- Open Enrollment Support
- ERISA Wrap Documents & SPDs
- ACA 1094/1095 Reporting
- COBRA & FMLA Administration
Not sure which benefits strategy fits your company?
Our Dearborn Heights, Michigan employee benefits consultants will benchmark your current plan, model alternatives, and deliver a clear recommendation — no pressure, no jargon.
The Employee Benefits Consultancy Built for Dearborn Heights, Michigan Employers
Independent market access, compliance expertise, and a dedicated consultant — everything a middle-market Dearborn Heights, Michigan employer needs to run a best-in-class benefits program.
Independent Market Access
As an independent benefits consultancy, CFH is not captive to any single carrier. We benchmark your plan across the full Dearborn Heights, Michigan market — fully-insured, self-funded, level-funded, and HRA arrangements — to surface the lowest total cost of risk for your employee census.
Compliance & ACA Administration
ERISA, ACA affordability safe-harbors, 1094/1095 reporting, COBRA, and wrap plan documents are complex and high-stakes. Our team manages every compliance obligation so your HR and finance teams stay protected — and out of IRS crosshairs.
Dedicated Employer Partnership
You get a named consultant — not a call-center queue. We conduct annual plan benchmarking, mid-year utilization reviews, and proactive renewal strategy meetings with your leadership team, keeping benefits cost-effective year over year.
Trusted by Dearborn Heights, Michigan middle-market employers
Dedicated benefits consulting — the CFH way
Dearborn Heights, Michigan employer benefits expertise you can rely on
Schedule Your Employer Benefits Review
Call or email our Dearborn Heights office to schedule a no-obligation benchmarking session. We'll analyze your current benefits plan, model alternatives, and deliver a clear employer strategy — at no cost to you.
Phone
+1 (248) 370-8853
Speak directly with a licensed CFH Insurance Consultant — no automated menus.
Call NowBusiness Hours
Mon – Fri: 9:00 AM – 5:00 PM
Closed Saturday & Sunday. After-hours appointments available upon request.
Why Michigan Employers Choose CFH
CFH Insurance Consultants is Dearborn Heights' dedicated employee benefits consultancy — independent, compliant, and built for middle-market Dearborn Heights, Michigan employers.
- Free no-obligation employer benefits review
- Licensed Michigan employee benefits consultants
- ERISA & ACA compliance specialists
- Independent — carrier-neutral recommendations
Ready for a free employer benefits review?
Dearborn Heights, Michigan employers trust CFH Insurance Consultants for honest, independent benefits strategy — with no obligation and no carrier bias.
Ready to Build a Smarter Employee Benefits Program?
Let CFH benchmark your current plan, model ICHRA, self-funded, or level-funded alternatives, and deliver a clear employer benefits strategy — no obligation, no carrier bias.
Serving Dearborn Heights, Michigan middle-market employers · ERISA & ACA compliant · Independent, carrier-neutral advice