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EBS places and services group health plans for Michigan employers — fully insured and level-funded options, Bridge Group GAP options, HRAs, FSAs, HSAs, and creative plan designs built to fit the coverage and premium each employer actually needs. We are brokers, working with the leading insurance carriers in the State of Michigan, and we are paid by the carrier through standard commissions — which is why the compliance work we do for clients carries no fee.
Then PA 152 governs what you may contribute, and the group work comes bundled with the compliance layer the law demands. Our answer library covers the whole of it.
The PA 152 answer library →The EBS Bridge™ is a group gap program that improves employee benefits while lowering the employer's total cost. We run the math on your census first, and only recommend it when it clears.
What is the EBS Bridge™ program? →Send us your census and current plan and we will quote it against the market. There is no fee for the conversation and no obligation attached to the numbers.
Ask for a quote →Plan selection, renewals, and the compliance work that surrounds them. For public-sector clients — cities, villages, and schools — that means we run the cap math against your census at every renewal, tell your board which of the statutory paths your numbers actually favor, track the vote deadline against your coverage year, and deliver draft resolution language ready for your attorney. It is part of how we work as your agent of record; there is no consulting invoice.
Our employer specialty is the group most brokerages treat as too small to service well: under 50 employees, where renewals and compliance reward attention to detail over scale.
We work in the large group market as well, and often in its most overlooked corner — the large employer with a small covered segment. A school may need coverage for only 10–20 administrative employees while its 100-plus teachers are locked into their MESSA union contract. That is a large group employer with a small-group-sized problem, and we know the large group ACA mandates that come with it.
Michigan's hard cap law governs every public employer in the state, yet the guidance around it is scattered across a statute, a Treasury FAQ, and annual notices most clerks never see. We have been doing this analysis client by client since the law took effect in 2011, and we published the working answers. Every figure is checked against the signed Michigan Treasury notices and the statute itself, dated, and re-verified when the source changes.
Send us your census and current plan. We will quote it, show you the math, and tell you plainly if your current plan is already the right one.