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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Distinction

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.

  • 24/7 ONLINE HR SUPPORT
  • HR HOTLINE AVAILABLE 6:00 AM TO 5:00 PM (Pacific)
  • 24/7 PHYSICIAN ACCESS VIA PHONE OR EMAIL
  • PRESCRIPTION PRICE COMPARISON TOOL
  • EMPLOYEE BENEFITS
  • WELLNESS BENEFITS
  • STRATEGIC TAX ADVANTAGED PLAN DESIGN
  • ERISA, COBRA, & ACA AMONG COMPLIANCE ASSISTANCE
  • HEALTHCARE REFORM CONSULTING
  • FREE HR WEBINARS
  • INDIVIDUAL & MEDICARE
  • AND MORE!

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.

Healthcare Reform & the Affordable Care Act

How does this complex law affect you or your company?

fotolia_113830977-ResizedThe key goal of the Affordable Care Act is to ensure universal access to healthcare. The 2700 page healthcare bill was first passed and put into effect in 2010.  There are hundreds of new requirements affecting a broad spectrum entitles within the healthcare industry – healthcare providers, insurance companies, as well as businesses and individuals.  Among those requirements are the mandates for both individuals and employers.  If not complied with these mandates could result in a hefty tax penalty.  To make sure you understand your obligations and stay compliant, please visit our page on healthcare reform to learn more or contact us for a free consultation.

Request a ConsultationLearn More About Healthcare Reform

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