Find coverage that fits your crew.

Framing carpenters, finish carpenters, cabinetmakers, and woodworking shop owners - Carpenter Crew Health connects you with health, accident, and disability coverage built for the trade. Free guidance from a licensed advisor.

Carpenter at work - health insurance from Carpenter Crew Health
Carpenter at work - health insurance from Carpenter Crew Health
Carpenter at work - health insurance from Carpenter Crew Health
Carpenter at work - health insurance from Carpenter Crew Health
Trade-built coverage

Why carpentry deserves its own coverage approach.

Carpenters face a different risk profile than office workers. Generic ACA shopping ignores that. We start with what your day actually looks like.

Falls from elevation - health insurance from Carpenter Crew Health

Falls from elevation

Framing carpenters work at heights. Accident insurance pays cash benefits for fall-injury - fractures, ER, ambulance - and bridges the gap your major medical leaves behind.

Repetitive strain - health insurance from Carpenter Crew Health

Repetitive strain

Hammering, sawing, lifting all day. Comprehensive physical therapy, orthopedic, and chiropractic coverage matter more for a carpenter than for most desk-job workers.

Wood dust and chemical exposure - health insurance from Carpenter Crew Health

Wood dust and chemical exposure

Cabinetry finishing, sealers, and stains carry real long-term risk. Solid respiratory, pulmonary, and dermatological coverage isn't optional in this trade.

Collections

Coverage collections for the trade.

ACA Marketplace + Off-Exchange Plans - health insurance from Carpenter Crew Health
Marketplace

ACA Marketplace + Off-Exchange Plans

Subsidy-eligible major medical from every major carrier - we compare both on and off the marketplace.

Framing & Falls Accident Insurance - health insurance from Carpenter Crew Health
Accident

Framing & Falls Accident Insurance

Cash benefits for falls, fractures, nail-gun injuries, lacerations, ER visits, and ambulance transport.

Short-Term Disability - health insurance from Carpenter Crew Health
Disability

Short-Term Disability

Income replacement when a back injury or torn rotator cuff takes you off the jobsite for weeks.

Carpentry Crew Group Plans (2-25) - health insurance from Carpenter Crew Health
Group

Carpentry Crew Group Plans (2-25)

Set up real group coverage for your crew - level-funded or traditional small-group. We handle enrollment.

Dental & Vision - health insurance from Carpenter Crew Health
Add-on

Dental & Vision

Standalone or bundled. Critical for finish carpenters around stain fumes and shop lighting strain.

Cabinetmaker Respiratory Add-On - health insurance from Carpenter Crew Health
Specialty

Cabinetmaker Respiratory Add-On

Plans vetted for strong pulmonary and dermatology coverage - built for finish-shop exposure.

Who we serve

Carpenters and shops we work with.

Solo Framing Carpenter - health insurance from Carpenter Crew Health

Solo Framing Carpenter

1099 self-employed, working residential framing or remodel. ACA subsidy + accident coverage is usually the sweet spot.

Finish Carpenter - health insurance from Carpenter Crew Health

Finish Carpenter

Trim, doors, casework, built-ins. Different exposure profile - finer detail, more chemicals, less elevation.

Cabinetmaker / Custom Woodworking - health insurance from Carpenter Crew Health

Cabinetmaker / Custom Woodworking

Wood dust and finish chemicals are the real concern. Plans need strong pulmonary and dermatology access.

Carpentry Crew / Small Shop Owner - health insurance from Carpenter Crew Health

Carpentry Crew / Small Shop Owner

2-25 employees. Group plan setup, contribution strategy, and enrollment - handled without slowing the jobsite.

The process

How Carpenter Crew works.

Step 1 Tell us about your trade - health insurance from Carpenter Crew Health
STEP 1

Tell us about your trade

Solo, crew, or shop - and what you do day to day.

Step 2 We pull your real options - health insurance from Carpenter Crew Health
STEP 2

We pull your real options

ACA, off-exchange, accident, disability, group - compared side by side.

Step 3 One clear recommendation - health insurance from Carpenter Crew Health
STEP 3

One clear recommendation

Not a list - a recommendation, with the reasoning behind it.

Step 4 Enroll, then we stay with you - health insurance from Carpenter Crew Health
STEP 4

Enroll, then we stay with you

Renewals, life events, claim questions - your advisor stays year-round.

Illustrative Examples

Illustrative examples: how carpenters use this coverage.

These are illustrative examples, not testimonials from actual customers. First names only. Individual results vary and no specific outcome, payout, or approval is guaranteed.

Framing carpenter Marcus W. - health insurance from Carpenter Crew Health
Illustrative Example

"Took a fall off a roof deck. An accident plan like this is built to pay a cash benefit for exactly that kind of injury - toward the ER bill, the deductible, and the weeks I couldn't swing a hammer."

Marcus W.
Framing carpenter - Asheville, NC
Cabinetmaker Lupita R. - health insurance from Carpenter Crew Health
Illustrative Example

"My old plan kept rejecting pulmonary follow-ups. A plan that actually covers specialist visits means getting the lung work-up I needed without fighting prior auth."

Lupita R.
Cabinetmaker - Albuquerque, NM
Finish carpentry shop owner, 7 employees Devon P. - health insurance from Carpenter Crew Health
Illustrative Example

"First time we've offered real coverage to the crew. Walking through level-funded options and a contribution split that worked let us run enrollment without anyone leaving the shop."

Devon P.
Finish carpentry shop owner, 7 employees - Tacoma, WA
Free Quote

Get Your Personalized
Coverage Quote

A few quick questions. A licensed Carpenter Crew Health advisor or one of our marketing partners will reach out with plan options that match your needs.

  • Licensed insurance agency in all 50 states
  • Compare plans from 50+ carriers in one place
  • No SSN required to get a quote
  • Free service — no obligation to enroll
  • Talk to a real licensed agent, not a robot
Step 1 of 5Who you are covering

Who are you searching for?

We'll tailor your options based on who needs coverage.

FAQ

Questions carpenters ask.

Carpenter income swings - slow winters, booming spring framing season. ACA subsidies are based on annual estimated income, not monthly. We help you set a realistic estimate, reconcile at tax time, and pick a plan that won't punish a good month or leave you exposed in a slow one.

Stories & Guides

Stories and guides.

Carpenter Health Insurance 2025: The Complete Coverage Guide - health insurance from Carpenter Crew Health
Guide

Carpenter Health Insurance 2025: The Complete Coverage Guide

Marketplace, off-exchange, accident, disability - everything carpenters need before open enrollment.

Falls, Strains, and Saw Injuries: The Carpenter's Accident Coverage Primer - health insurance from Carpenter Crew Health
Risk

Falls, Strains, and Saw Injuries: The Carpenter's Accident Coverage Primer

What accident plans actually pay out for, and how to stack one with your major medical.

Small Carpentry Shop Group Plans: How to Offer Coverage to Your Crew - health insurance from Carpenter Crew Health
Crew

Small Carpentry Shop Group Plans: How to Offer Coverage to Your Crew

Level-funded vs. traditional small-group, contribution strategy, and the enrollment timeline.