Contractors Health Trust

What Contractors Health Trust does

Contractors Health Trust (CHT) is a private, Colorado-based health benefit trust established in 1968 to provide employer-sponsored healthcare coverage to construction contractors and their employees. Operating exclusively within Colorado and headquartered at a single administrative office in Englewood, CO, CHT distributes its health benefits plan through direct sales to construction employers, supported by an employer/member web portal for enrollment, account management, and employer contributions. The trust is structurally embedded in the Colorado construction industry through long-standing affiliations with three major trade associations — the Colorado Contractors Association, the Associated General Contractors of Colorado, and the Housing and Building Association of Colorado Springs — whose logos are co-branded on CHT's website, indicating founding or core-affiliate status.

The core product is a unified health benefits plan (quote-based, annual subscription, funded by employer contributions and member premiums) accompanied by a value-add partnership with Dispatch Health, which provides members with on-demand in-home urgent medical treatment. CHT also administers supporting functions including claims processing, eligibility management, and COBRA coverage. The organization's technology footprint consists of a standard web portal with login/register flows for members, employers, and brokers; no proprietary technology, integrations, APIs, or digital products beyond the portal are disclosed.

CHT runs a sales-led go-to-market with a dedicated sales/marketing contact line and email, direct outreach to construction employers, and broker support within the Colorado market. The company is privately held, with no disclosed parent company, PE/VC backing, subsidiaries, or external funding events. Its 1,001–5,000 employee/participant figure, combined with a single-office administrative footprint, suggests a small internal staff serving a substantially larger plan membership concentrated in a single vertical and a single U.S. state.

Name

Contractors Health Trust

Legal name

Contractors Health Trust

Website

https://contractorshealthtrust.org

Company type

Private

Founded year

1968

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Contractors Health Trust is a Colorado-based, private health benefit trust founded in 1968 that provides employer-sponsored healthcare plans and Dispatch Health urgent-care access to construction contractors and their employees across the state.

Ownership category

akta.pro rank

Product category

Group Health Insurance / Health Benefits Administration

NAICS

Health and Welfare Funds (52512), Insurance and Employee Benefit Funds (5251)

SIC

Accident & Health Insurance (6321), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Contractor Benefits & Perks Administration (BPACAGAJ)

akta.pro secondary industry

Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF)

Keywords

• Construction industry health benefits
• Employer health insurance
• Contractor healthcare plans
• Group health benefits
• Construction worker insurance

Headquarters

HQ city

Englewood

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Health Benefit Plans: Provides healthcare benefits to construction contractors and their employees through employer-sponsored health plans. Revenue is generated through employer contributions and member premiums.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Contractors Health Trust provides employer-sponsored group health insurance and benefits administration plans for construction contractors and their employees, operating in Colorado since 1968. Coverage is sold to construction employers via direct sales and broker channels, with members accessing immediate medical treatment through a Dispatch Health partnership and managing benefits through a web-based member and employer portal that handles enrollment, contributions, claims, eligibility, and COBRA administration.

Product overview

Contractors Health Trust is a single, unified health benefits offering that provides healthcare coverage specifically for construction contractors and their employees. Founded in 1968, the organization offers health insurance plans through employer-sponsored programs and also provides immediate medical treatment access via Dispatch Health partnership. The organization serves members through affiliated Colorado contractor associations including the Colorado Contractors Association, Associated General Contractors of Colorado, and the Housing and Building Association of Colorado Springs.

Differentiator

Problem solved

Functional benefit

Products and services

• Health Benefits Plan Employer-sponsored group health insurance and benefits plan providing healthcare coverage to construction contractors and their employees in Colorado since 1968. Sold to construction employers who enroll their workers and manage contributions through the employer portal.
• Dispatch Health Immediate Medical Care Immediate medical treatment service for Contractors Health Trust members, delivered via a partnership with Dispatch Health (303-500-1518, www.dispatchhealth.com). Members can request on-demand care for non-emergency and urgent medical needs, with instructions provided on how to request care.
• Benefits, Eligibility, Claims, and COBRA Administration Administrative services for participating employers and members covering benefits enrollment, eligibility management, claims processing, and COBRA coverage support. Contact is handled by Nikki Schutt at [email protected] and the administration office at 303-935-2475.
• Employer Contributions Portal Web-based employer portal (app.contractorshealthtrust.org) that enables construction contractor employers to manage accounts, submit contributions, and administer health benefits for their enrolled employees.
• Member Login and Registration Portal Web-based member portal at contractorshealthtrust.org/login/ and registration at /sign-up/, allowing members to access plan information, benefits, and non-urgent treatment resources.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Dispatch HealthcoreStrategic or Co-development PartnerDispatch Health provides immediate medical treatment services for members. Members can contact Dispatch Health at 303-500-1518 for immediate care needs, with instructions available on how to request care.
• Colorado Contractors AssociationcoreStrategic or Co-development PartnerPrimary association partner representing construction contractors in Colorado. The organization's logo appears on CHT's website as a founding/affiliated partner.
• Associated General Contractors of ColoradocoreStrategic or Co-development PartnerAGC Colorado is a major construction industry association partner. Their logo appears on CHT's website indicating a strong affiliation.
• Housing and Building Association of Colorado SpringsminorStrategic or Co-development PartnerRegional construction industry association partner based in Colorado Springs. Their logo appears on CHT's website indicating partnership affiliation.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Western Growers Assurance Trust: An industry-specific health and welfare trust fund serving agriculture employers and their employees. Structurally analogous to CHT (employer-sponsored, association-affiliated, recurring contribution model) but in the agricultural vertical, making it the closest direct comparable to a contractor-focused trust.
• Meritain Health: A third-party administrator (TPA) for self-funded employer health plans, including large contractor and trade-industry groups. Competes with CHT on employer health benefit administration, plan design, and claims handling.
• HealthSmart: A national TPA offering self-funded health plans, network solutions, and benefits administration to employer groups and trade associations. Competes for the same contractor and trade-employer accounts that CHT serves.

Broad incumbents

• Anthem Blue Cross Blue Shield: A large commercial health insurance carrier offering group, association, and individual plans across multiple states, including Colorado. Represents the broad incumbent that regional industry trusts such as CHT must differentiate against on price and provider network.
• UnitedHealthcare: The largest U.S. commercial health insurer with extensive group, association, and specialty products. Competes with CHT for Colorado contractor employers through national scale, broader networks, and increasingly vertical-specific offerings.
• Cigna Group: A major commercial health insurer with employer-sponsored and association plans actively targeting trade, construction, and contractor segments where CHT operates, putting pricing pressure on niche trusts.
• Aetna (CVS Health): National commercial health insurance carrier with employer group and association products. Competes with regional health benefit trusts on multi-state accounts and increasingly bundles care and pharmacy services to differentiate.
• Kaiser Permanente: An integrated health insurer and care provider with a strong Colorado presence, offering employer-sponsored group plans to construction and contractor employers as a vertically integrated alternative to CHT's trust model.
• BenefitMall: A national benefits broker and administrator providing group health, voluntary, and worksite benefits to small and mid-sized employer groups, frequently serving trade and contractor clients that overlap with CHT's target market.

Others

• Marsh McLennan: A global insurance brokerage and consulting firm whose Mercer and Marsh units advise employers on health benefit design, placement, and administration. Indirectly competitive via employer-side advisory relationships that can route contractor groups to competing carriers or trusts.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/contractors-health-trust

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Contractors Health Trust