The Delaware Valley Health Trust provides comprehensive healthcare coverage to over 24,000 public entity employees and their families throughout Pennsylvania and Delaware.  Our risk-sharing pool combines the advantages and flexibility of self-insurance with the safety and predictability of a fully insured program. Since 1999, Health Trust members have enjoyed long-term premium stability, superior member service, first-class claims adjudication, and a wide array of exclusive value-added benefits anchored by robust wellness programs.  Even better, expert trust management has consistently kept average rate renewals in the single digits while simultaneously dedicating over $86.7 million to the membership since 2004 through our Rate Stabilization Fund.  Premiums have been further reduced by over $28.2 million through application of multi-trust discounts. The Health Trust is over 160 members strong and growing.

A New Way of Thinking about Health Coverage

If you manage a public entity and have grown frustrated with commercial market premium swings or broker-sponsored programs designed to generate fees and commissions, we can help.   Allow us to match your existing plan or customize a new cost-effective offering that caters to the specific needs of your organization.  Consider our Workers’ Compensation Trust and/or Property & Liability Trust, too, and take full advantage of a multi-trust discount that makes rates even more attractive.

Delaware Valley Trusts. Let us manage your risk, while you realize the rewards.



Quick Facts

Rate Stabilization Fund has dedicated over
to our members
Member premiums have been further reduced over
through our multi-trust discounts
To learn more, contact Rick Mellor, Executive Director, rmellor@dvtrusts.com.


In Lansdale Borough we know that the health of our employees goes well beyond physical health.  DVHT has provided our staff members various wellness programs aimed at encouraging active, healthy lifestyles by teaching them how to make simple, beneficial decisions.   DVHT programs offer opportunities to not only enrich employee well-being at work, but also in all aspects of their lives.


John Ernst
Borough Manager


As a Borough Manager, I am constantly blown away by the response I receive as a member of the Delaware Valley Trusts. The Trust’s value-added programs such as training, legal guidance and loss control resources are more than just benefits – they set the DVT apart from any other liability coverage provider!

John Davis
Doylestown Borough


“The most positive aspect about becoming a member was access to DVT staff who were very supportive during our transition to DVT initially, and have remained so year after year. DVT offers prompt and professional support at every level of the organization.”

Daniel K. Kerr
Limerick Township


The Delaware Valley Health Trust’s (DVHT) strategy and wellness programs align with the Township’s long-term growth health and wellness strategy. Both the Township and our employees value DVHT’s proactive health strategies which are key to keeping our team healthy, active, and happy.  We incorporate all parts of the wellness program from on-site biometric screenings to nutritional workshops and webinars along with our walking program. DVHT has been a great partner to all of us here at West Whiteland.

Pam Gural-Bear
Interim Township Manager/Human Resources Director
West Whiteland Township


The Health and Wellness Team at the Delaware Valley Health Trust is exceptional! The Trust has numerous resources that focus on all aspects of health – physical, mental, preventative, and environmental. The Borough has benefited greatly from wellness programs like annual biometric screenings,  health incentives, and the development of an employee wellness and fitness room in the Borough of Conshohocken Administrative Building. We could not have spearheaded that initiative without access to the resources available to Health Trust Members. For the Borough, having access to these pivotal resources has helped encourage and support a healthier lifestyle for all our employees. More importantly, membership in the Trust has enabled the Borough to take concerted steps towards fully developing an internal culture of health and wellness at our workplace.

Stephanie Cecco
Borough Manager
Conshohocken Borough