CFH Insurance Consultants Brings ICHRA Michigan Expertise to Companies with 50-500 Employees
Bloomfield Hills, United States - May 20, 2026 / CFH Insurance Consultants /
CFH Insurance Consultants, the Bloomfield Hills-based independent brokerage, has formally expanded its advisory services to address demand from Michigan employers with 50 to 500 employees seeking structured alternatives to traditional group health insurance through Individual Coverage Health Reimbursement Arrangements and Qualified Small Employer Health Reimbursement Arrangements.
A Structured Response to Mid-Market Benefits Challenges
The expansion positions CFH Insurance Consultants as a dedicated resource for mid-market Michigan employers navigating the complexities of health reimbursement arrangement design. Unlike traditional group plans that lock employers into fixed premium structures, ICHRA and QSEHRA models allow companies to define reimbursement budgets while employees select individual coverage that fits their personal circumstances.
For Michigan companies in the 50-to-500-employee range, the distinction matters. This segment often faces pressure from rising group premiums without the purchasing leverage of large enterprises. ICHRA Michigan plans, in particular, give employers the ability to offer defined contribution benefits across employee classes - separating full-time, part-time, seasonal, and other categories with different reimbursement levels, a flexibility that conventional group contracts do not provide.
Independent Broker Status and Credentialed Expertise
CFH Insurance Consultants operates as a non-captive broker, meaning the firm is not affiliated with or incentivized by any single carrier. The 28-person team works across all major Michigan carriers to compare plan options objectively before recommending a benefits structure. This independence is a functional consideration for employers evaluating ICHRA or QSEHRA arrangements, where carrier selection and individual plan availability in a given market directly affect employee outcomes.
The firm holds CEBS, GBA, and RHU certifications and maintains membership in the National Association of Health Underwriters (NAHU). These credentials reflect a consultative orientation toward benefits strategy rather than transactional plan placement. For a QSEHRA employer evaluating whether an arrangement complies with IRS contribution limits and ACA affordability rules, that level of technical grounding is relevant to the implementation process.
CFH Insurance Consultants serves employers across Michigan from its Bloomfield Hills headquarters, providing statewide coverage for companies in industries where workforce composition and budget constraints make reimbursement-based models worth evaluating against group alternatives.
How the Consultative Process Works
The firm's approach to health reimbursement arrangement Michigan engagements begins with an analysis of an employer's current benefits spend, workforce classification, and carrier market conditions in the relevant geography. From that baseline, consultants model reimbursement scenarios under both ICHRA and QSEHRA frameworks before recommending a structure aligned with the employer's financial and compliance objectives.
For employers currently offering group coverage, CFH Insurance Consultants also evaluates whether a transition to an HRA-based model reduces net benefits cost while maintaining competitive total compensation. For employers with no current health benefits offering, the analysis focuses on minimum reimbursement thresholds and the administrative infrastructure required to run an HRA program compliantly.
The ICHRA framework, introduced under federal rules effective in 2020, has expanded adoption among employers of varying sizes due to its flexibility in integrating with individual market plans. QSEHRA, available to employers with fewer than 50 full-time employees, carries its own contribution caps and notification requirements - distinctions that affect whether a given employer is eligible and what design options are available.
About CFH Insurance Consultants
CFH Insurance Consultants is an independent, non-captive insurance brokerage headquartered in Bloomfield Hills, Michigan. The firm employs a 28-person team holding CEBS, GBA, and RHU certifications and is a member of the National Association of Health Underwriters. CFH Insurance Consultants provides benefits strategy and plan implementation services to Michigan employers, with a focus on mid-market companies seeking structured approaches to employee health benefits.
Learn more at CFH Insurance Consultants
Contact Information:
CFH Insurance Consultants
41000 Woodward Avenue, Suite 350 East
Bloomfield Hills, Michigan 48304
United States
Andrew Henze
+1 (248) 370-8853
https://www.cfhic.com
