Farmington, Michigan is a walkable downtown community in Oakland County, distinct from neighboring Farmington Hills, with a business base of independent retail, restaurants, and professional service firms along Grand River Avenue. CFH Insurance Consultants (CFHIC) helps Farmington employers design group health insurance and employee benefits programs that fit their workforce and budget.
Group Health Insurance Options
Farmington businesses have access to strong Oakland County provider networks, including Corewell Health East and Ascension Providence.
- Fully insured PPO and HMO plans through Michigan’s major carriers
- Level-funded plans for cost transparency without full underwriting risk
- High-deductible health plans (HDHPs) paired with Health Savings Accounts (HSAs)
- Self-funded plans for larger, established Farmington employers
Michigan Compliance Considerations
- ACA employer mandate: Employers with 50+ full-time equivalent employees must offer minimum essential coverage or face penalties
- Michigan Earned Sick Time Act (ESTA): Effective February 21, 2025
- COBRA continuation coverage: Applies to employers with 20 or more employees
Cost-Control Strategies: QSEHRA & ICHRA
Many Farmington restaurants and small retailers aren’t ready for a traditional group plan. A QSEHRA or ICHRA lets these employers reimburse staff tax-free for individual-market premiums.
Frequently Asked Questions
Can a small Farmington business afford group health insurance?
Often, yes — especially with a level-funded plan or a QSEHRA/ICHRA structure.
Ready to build a benefits package that fits Farmington’s workforce? Book a free employee benefits consultation with CFH Insurance Consultants today, or call us at (248) 370-8853 or email info@cfhic.com to get started.
