About Us

YOUR EXPERT HR PARTNER Carmichael Associates is a well-known Employee Benefits Firm successfully serving businesses across California for close to 30 years. We have a dedicated team of experienced benefit and HR professionals who specialize in managing every facet of group insurance and other employee benefits.

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Why Carmichael?

CUTTING EDGE SOLUTIONS Our prime objective is making a positive difference for our clients by staying at the forefront of every service and solution we offer. As such, we have formed alliances with many of the nation’s top carriers, and have also invested in the type of technology and resources that help our clients succeed.

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What We Offer

From intelligent plan design, to expert compliance, to dedicated employee advocacy, Carmichael Associates uses experience and cutting edge resources to keep your benefits programs running smoothly.

  • HR HOTLINE AVAILABLE 8:00 AM TO 5:00 PM (Pacific)
  • IMMEDIATE PHYSICIAN ACCESS VIA PHONE OR EMAIL
  • PRESCRIPTION PRICE COMPARISON TOOL
  • EMPLOYEE BENEFITS
  • WELLNESS BENEFITS
  • STRATEGIC TAX ADVANTAGED PLAN DESIGNS
  • ERISA, COBRA, & ACA COMPLIANCE ASSISTANCE
  • FREE HR WEBINARS
  • INDIVIDUAL HEALTH & MEDICARE INSURANCE
  • INDIVIDUAL LIFE, DISABILITY AND LTC INSURANCE
  • PROPERTY CASUALTY AND WORKERS’ COMPENSATION
  • RETIREMENT PLANNING & RETIRMEENT PRODUCTS
  • INVESTMENT MANAGEMENT THRU SISTER COMPANY

Account Based Health Plans On the Rise 

Control healthcare costs and sky-rocketing premiums, while still enhancing your benefit offering

Among the areas that fall under Section 125 and other areas of the tax code allow for certain benefits and premiums to be paid with pre-tax dollars which results in significant tax savings to both the employee and the employer.  These plans include FSAs, HSAs, HRAs, and POPs.

Other cost saving strategies, in terms of employee benefits, are self-funded plans or partially self-funded plans, which not only offer both the large and small employer low cost plans, but flexible design features and more control than you would find with a traditional fully funded health plan.

Carmichael Associates can help you decide if any of these increasingly popular plan options may be right for you and your employees, based on your unique circumstances and needs.

Get a Quote!See All Employee Benefit Options

To fully understand your needs, we get to know your company and its employees, as well as your specific goals.  This step is vital to providing you with the absolute best solutions that fit your needs and circumstances.

What Our Clients Say About Us

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Protect Your Loved Ones

Supplemental Insurance, such as Life, Disability or LTC Insurance, is an excellent strategy to help manage costs and financial risk. Cover costs associated with illnesses and/or an unforeseen death that regular health insurance just doesn’t cover.

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Among Our Valued Partners