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.

Stories

Stories from the crew.

Framing carpenter Marcus Whitfield — health insurance from Carpenter Crew Health
★★★★★

"Took a 12-foot fall off a roof deck. The accident plan they wrote me paid out before my ER bill even hit the mail. Bridged the deductible and three weeks I couldn't swing a hammer."

Marcus Whitfield
Framing carpenter · Asheville, NC
Cabinetmaker Lupita Reyes — health insurance from Carpenter Crew Health
★★★★★

"My old plan kept rejecting pulmonary follow-ups. They put me on a plan that actually covers the specialist visits — finally getting the lung work-up I needed without fighting prior auth."

Lupita Reyes
Cabinetmaker · Albuquerque, NM
Finish carpentry shop owner, 7 employees Devon Park — health insurance from Carpenter Crew Health
★★★★★

"First time we've offered real coverage to the crew. They walked us through level-funded, picked a contribution split that worked, and ran the whole enrollment without me leaving the shop."

Devon Park
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.