Fraser is a compact Macomb County community just north of Clinton Township, built around a base of small manufacturers, auto-supply shops, and independent retailers. Most of the employers we work with here run lean teams where every benefits dollar has to earn its keep, so the plan comparisons we bring back tend to focus as much on total cost of ownership as on the headline premium.
CFH Insurance Consultants (CFHIC) works with Fraser employers to line up coverage against the Macomb County provider landscape, including Henry Ford Health and Ascension Macomb-Oakland, so employees have real network access close to home.
Plan Types We Quote for Fraser Businesses
- Fully insured PPO and HMO plans through Michigan’s major carriers, with Henry Ford Health and Ascension Macomb-Oakland in-network
- Level-funded plans that give Fraser owners visibility into monthly claims activity without full medical underwriting
- High-deductible health plans (HDHPs) bundled with Health Savings Accounts (HSAs) for tax-advantaged savings
- Self-funded arrangements for established Fraser employers with enough scale to manage claim variability
Compliance Checklist for Macomb County Employers
- ACA employer mandate: Businesses at 50 or more full-time-equivalent employees must offer minimum essential coverage or risk IRS penalties.
- Annual ACA reporting: Applicable large employers still need to file Forms 1094-C and 1095-C accurately and on schedule each year.
- Michigan Earned Sick Time Act (ESTA): In force since February 21, 2025, requiring paid sick leave accrual for employees at nearly all Michigan businesses.
- COBRA continuation coverage: Required once an employer reaches 20 employees.
QSEHRA and ICHRA for Fraser’s Smaller Employers
Several of the auto-supply shops and independent retailers we work with in Fraser are too small to justify a traditional group plan but still want to offer something competitive. A Qualified Small Employer HRA (QSEHRA) lets them set a defined monthly reimbursement toward employees’ individual-market premiums; an Individual Coverage HRA (ICHRA) offers similar flexibility with more room to scale as the business grows. We model both against a standard group plan so the cost trade-off is clear before you decide.
Rounding Out Coverage: Ancillary Benefits
To stay competitive for hires against nearby Clinton Township and Roseville employers, many Fraser businesses add on:
- Dental and vision plans
- Group life and AD&D insurance
- Short- and long-term disability coverage
- Voluntary accident, critical illness, and hospital indemnity plans
- Employee Assistance Programs (EAPs)
Frequently Asked Questions
Most of our team is hourly — does that change what plans make sense?
It can. Hourly, shift-based workforces common among Fraser’s manufacturers and suppliers often do better with level-funded or HDHP/HSA structures than with a rich traditional PPO, simply because the cost curve fits tighter margins better. We’ll walk through the trade-offs for your specific team.
Can you review a renewal we already have in hand?
Yes — send it over and we’ll benchmark it against current Macomb County market rates before you have to commit, so you know whether it’s competitive or worth re-shopping.
Ready to review your group health insurance options in Fraser? Call CFH Insurance Consultants at (248) 370-8853 or email info@cfhic.com for a no-obligation consultation.
