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Michigan Planners
800-674-9235

Proactive insurance support for employers who want the best for their teams.

Provide for your team while focusing on your business.

As a family-owned, independent firm, we understand firsthand how much goes into running a successful small business. That’s why we’re dedicated to making at least one aspect of business ownership a little easier.

Michigan Planners creates a better benefits experience, so you can concentrate on running your business while we help take care of what matters most to you and your people. We’ll help you manage compliance and control costs, while providing strategies to improve administration and make smarter long-term decisions. At the same time, your employees can stay focused on their work while we support what matters most to them, their health, family, and peace of mind.

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Learn About Employee Benefits
Michigan Planners' Aaron MacDonald poses with a conference attendee at Aaron's panel. His presentation reads, "HR Conference. Cost Containment: Proven strategies for reducing benefits spend."

Employer Services

A trusted partner. Straight-forward guidance.

For Employers

  • Long-term benefits strategy, not just annual renewal support
  • Ongoing webinars and SHRM-credit learning opportunities
  • Market insights, benchmarking, and carrier guidance
  • Personalized service from a team that knows your business
  • A better benefits experience for employers, employees, and their families

For HR Leaders

  • Compliance help and access to trusted legal and HR resources
  • Dedicated support for claims, questions, and employee issues
  • Digital enrollment tools that make administration easier
  • Open enrollment support for single-site and multi-location teams
  • Employee education that improves understanding and reduces HR burden

For Finance Teams

  • Creative cost-containment ideas tailored to your business
  • Fully transparent communication about rates, pricing, and other financial matters
  • Proactive updates on policy changes and shifts in the broader insurance market
  • Claims and utilization analysis to showcase potential cost improvement opportunities
  • Contribution modeling and plan comparisons for informed decision making

Our Promise to You

Year-round support you can trust.

You need more than a broker who just shows up at renewal. We focus on creating a true partnership, where we can help you manage compliance, support your employees, improve administration, and bring practical strategies to the table year-round.

We focus heavily on communication, implementation, and providing support when you need it, not just at renewal. Our goal is to make things feel more organized, more proactive, and more manageable from the start. We help employers like you put the right structure in place so you can find better service and stronger strategies without feeling like you are starting over.

What You Can Expect

  • A single point of contact who knows you by name and understands your business
  • A team that identifies cost-containment strategies without sacrificing your team’s benefits
  • Compliance, claims, and employee support throughout the year, not just at enrollment
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Employers have enough on their plates.

That’s why we passionately work to relieve some of the burden. Reach out for a free risk assessment. We’ll analyze your current benefits plans, identify any gaps, and offer solutions, all without any sales pressure. We’re happy to serve as a resource, answer the questions you have, and set you and your team up for success.
Get a Free Risk Assessment

Check Out these Resources

Compliance Resources

Browse Compliance Resources »

Events

Register for Upcoming Events »

Claims Support

Visit Our Claims Support »

Employee Benefits

Learn How We Offer Customized Plans »

Employee Services

Discover What We Do for Your Team »

Employee Navigator

Access the Employee Navigator »

Industry News

Stay Updated on The Industry »

Contact Us

Get in Touch with Our Team »

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Frequently Asked Questions

Why work with Michigan Planners instead of a larger national firm?

Michigan Planners offers the experience and capability employers need with a more personal, relationship-driven approach. We are big enough to serve and small enough to care, which means clients get strategic guidance backed by real, hands-on support.

Yes. Many employers come to Michigan Planners looking for a fresh perspective on their current plan. We can review what you have, identify gaps or inefficiencies, and recommend improvements based on your goals.
Yes. Cost is one of the biggest concerns employers have, and we work to uncover practical strategies that can create savings without losing sight of employee needs. That may include plan design changes, funding alternatives, claims analysis, or other long-term cost-containment strategies.
No. Group benefits often go beyond medical coverage. Michigan Planners also helps with dental, vision, life, disability, and other supporting benefits that round out a more complete employee package.
Yes. Employee education is an important part of a successful benefits program. Michigan Planners helps make benefits easier to understand so employees can make more informed decisions during enrollment and throughout the year.

Our support does not stop at implementation. Michigan Planners provides ongoing service, including claims support, employee questions, renewal guidance, and day-to-day assistance for HR teams and leadership.

Can you help with compliance, too?
Yes. Benefits decisions often connect to compliance requirements, and employers need to stay on top of changing rules. Michigan Planners helps clients stay informed and supported so there is less confusion and less risk.
HR leaders are often balancing benefits strategy with a changing compliance landscape. We help clients stay informed on relevant requirements, deadlines, notices, and potential action items that may affect their plan.
How can we control rising benefits costs without making coverage worse for employees?
This is one of the most common questions we hear. The answer usually involves looking beyond just renewal rates and evaluating plan design, contribution strategy, funding options, claims trends, pharmacy spend, and other long-term cost drivers.
HR leaders often want to know how their benefits compare in the market. We help provide perspective on trends, cost-saving strategies, contribution approaches, and plan structures other employers are considering.
A rate increase does not always tell the full story. We help employers review plan performance, carrier options, claims activity, and funding structure to determine whether the current approach is still competitive and effective.
This question comes up often as fully insured costs continue to rise. We help employers understand the pros, risks, fit, and financial impact of different funding models based on their size, goals, and risk tolerance.
A strong benefits strategy also needs strong communication. We help employers simplify employee education, improve enrollment communication, and support a smoother experience for both employees and internal teams.

HR teams are often the first stop when employees are frustrated. Michigan Planners provides claims support and advocacy to help resolve issues, answer questions, and take some of that burden off internal HR teams.

Contribution strategy has a major impact on affordability, participation, and employee perception. We help employers evaluate whether their current approach still aligns with business goals and employee needs.
Michigan Planners
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