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Employee Benefit Solutions (EBS) is an independent insurance brokerage in Cadillac, Michigan, established in 2003 — group health for employers, individual health, and Medicare, serving the entire lower peninsula. For public employers, the group work comes bundled with the compliance layer PA 152 demands. We are paid by the carriers through standard commissions, which is why the compliance work we do for clients carries no fee.
Fully insured and level-funded options, Bridge Group GAP options, HRAs, FSAs, HSAs, and creative plan designs to fit the coverage and premium each employer needs. For cities, villages, and schools, the PA 152 cap math comes with it.
Group health →Individual and group Medicare plans, including Medicare Advantage plans and Medicare supplements — and we round out coverage for our Medicare clients with dental, vision, and other protection.
Medicare →For those under age 65, individual health plans both on-Marketplace and off-Marketplace — including coverage through job changes and other life events.
Individual health →We do not offer every plan available in your area. Currently we represent 9 organizations which offer 25 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Across all lines of coverage we are brokers, working with the leading insurance carriers in the State of Michigan.
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.
The EBS Bridge™ is a group gap program that improves employee benefits while lowering the employer's total cost: move to a high-deductible plan with your existing carrier, then layer the Bridge on top to buy back the deductible and out-of-pocket exposure. It works because the savings from the first step exceed the cost of the second — and that is not a slogan, it is the test. We run the math on your census first, and we only recommend it when it clears.
What is the EBS Bridge™ program?
We work as agent of record for private businesses, cities, villages, and schools throughout the lower peninsula — from Detroit to Grand Rapids to the Mackinac Bridge. 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.
Our office is at 272 Bell Avenue, Cadillac, MI 49601, open Monday–Friday, 8 a.m. – 5 p.m. We meet clients in person, by phone, and online across Michigan.
Whether you are an employer comparing renewal options, an individual shopping the Marketplace, or turning 65 and sorting through Medicare for the first time, the model is the same: plain answers, real numbers, and no fee for the conversation.