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Employee Benefits for Ann Arbor Employers

Michigan Theater on Liberty Street in downtown Ann Arbor — CFH Insurance Consultants provides group health insurance and employee benefits consulting for Ann Arbor, MI employers
EMPLOYEE BENEFITS CONSULTING · ANN ARBOR, MI

Employee Benefits for Ann Arbor Employers

Ann Arbor employers include a major university and health system, technology and life-sciences companies, and a large number of small professional and service businesses. Many hire from a national talent market, so benefits have to compete beyond Michigan. We help Ann Arbor employers compare funding options and keep compliance handled through the year.

Call 248.370.8853

Photo: w_lemay, CC BY-SA 2.0, via Wikimedia Commons

Ann Arbor at a Glance

Ann Arbor had 123,851 residents at the 2020 census. These are the facts that shape benefits planning here.

The University and Its Health System

The University of Michigan employs about 30,000 people, including about 12,000 in the medical center. Smaller employers hiring staff compete with that single employer.

A Technology and Life-Sciences Economy

The city’s economy includes high technology, health services, biotechnology and automotive work. Domino’s Pizza, Zingerman’s, Avfuel, Pinkerton and Duo Security are headquartered in Ann Arbor, and KLA opened its North American headquarters there in November 2021.

Why It Matters for Your Plan

Companies that recruit nationally often hire remote or hybrid staff. We check that your plan works for employees in other states and that state notices are handled.

Figures are from the 2020 U.S. Census unless noted.

Plan Options for an Ann Arbor Employer

We compare fully insured, level-funded and self-funded plans using your census and claims. For Ann Arbor groups recruiting from outside Michigan, we also look at how your plan works for employees and dependents who live elsewhere. See level-funded health plans.

Hiring Against a Talent-Rich Market

An Ann Arbor employer competes with the university, the health system and technology firms for the same candidates. Benefits, including dental, vision, disability and life coverage, often tip the decision. See our Detroit metro page and Westland page.

Compliance Without a Compliance Department

Employers with remote or out-of-state employees face extra rules, from state notices to multi-state plan design. We keep those on a calendar with ACA reporting and COBRA. See Michigan benefits compliance.

Ann Arbor Employers We Work With

Ann Arbor employers recruit from a national talent pool, so benefits get compared to offers from outside Michigan. These are the groups where we see the most common questions.

Technology and Life-Sciences Companies

Startups and growing technology firms often hire remote or hybrid staff in several states. We check that the plan works for employees who live outside Michigan and that state-specific notices and payroll rules are covered.

Professional and Service Firms

Smaller firms near downtown and the university compete with large institutions for the same people. We benchmark dental, vision, disability and life coverage so you know where you can match them without matching their cost.

Nonprofits and Research Groups

Some Ann Arbor organizations run on grant funding, which makes cost predictability a priority. We look at funding options that limit surprises in a renewal year.

An Ann Arbor Renewal, Step by Step

Employers hiring across state lines need a renewal plan that looks at the whole group. This is how we handle it.

Review Where Employees Live

We start with a census that shows each employee’s state and county, because networks and some notices depend on it.

Price Plans for the Whole Group

We run the market with that census so the quotes reflect the real mix of local and remote staff, not just the Ann Arbor office.

Confirm the Paperwork

We check state and federal notices, the plan documents and the enrollment materials, so remote employees receive the same information as local ones.

What Ann Arbor Employers Ask

Some of our Ann Arbor employees work remotely from other states. Does that change our plan?

It can. Network access and some notices depend on where each employee lives, so we check the whole group before recommending or renewing a plan.

We already have a broker. Can you still look at our renewal?

Yes. Send the renewal letter, plan summary, contribution split and enrolled counts. The review is free and carries no obligation. See how a renewal second opinion works.

Do you have an office in Ann Arbor?

No. Our Michigan office is in Bloomfield Hills, and we serve Ann Arbor employers by phone, video and on site when needed.

We hire remote engineers outside Michigan. Does that change which plan we choose?

It can. Some carriers and networks are stronger in particular states, so we check coverage where your remote employees live before you commit.

Can an Ann Arbor startup offer coverage before it has a full HR team?

Yes. We handle plan setup, enrollment and compliance reminders, so a small team does not have to learn them all at once.

Send Us This Year’s Ann Arbor Renewal

Send the Ann Arbor renewal, plan summary, contribution and enrollment by tier, and two more documents if you are at fifty or above. We will explain the increase and check both nearby hospital systems in the network. 248.370.8853 or info@cfhic.com.

Start the Review Email info@cfhic.com Call 248.370.8853
CFH Insurance Consultants

An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.

Michigan41000 Woodward Avenue, Suite 350 East
Bloomfield Hills, MI 48304
248.370.8853
Colorado13540 Northgate Estates, Suite 100
Colorado Springs, CO 80921
719.425.2649
Texas16365 Park Ten Place, Suite 182
Houston, TX 77084
281.404.5670
Let’s Get to Work

Send us your renewal.

We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.

What to send

The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier

Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.

CFH Insurance Consultants

An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.

Switch to CFH. Unhappy with your broker? Your employees won’t notice. You will. →

Michigan41000 Woodward Avenue, Suite 350 East
Bloomfield Hills, MI 48304
248.370.8853
Colorado13540 Northgate Estates, Suite 100
Colorado Springs, CO 80921
719.425.2649
Texas16365 Park Ten Place, Suite 182
Houston, TX 77084
281.404.5670
Book a 30-minute call