Your Partner in Public Risk Management
Serving Pennsylvania and Delaware public entities through proven trust programs built on collaboration and stability.
What Makes Us Different
When it comes to selecting health, workers' compensation, or property and liability insurance, public entities need stability and superior coverage at the lowest responsible cost. At the Delaware Valley Trusts we understand. Our members enjoy stable rates that defy insurance industry trends while taking advantage of comprehensive benefits, cash dividends, rate credits, multi-trust discounts, superior member service, and a wide array of exclusive value-added services.
Let us manage your risk while you realize the rewards.
Recent News & Ideas
Important Update for DVHT Wellness Program: 1099 Federal Reporting Threshold Changes
Jun 12, 2026
We would like to share an important IRS reporting update with Health Trust enrollees and covered spouses participating in the DVHT Wellness Program. Previously, members who earned $600 or more in wellness incentives or reimbursements received a Form 1099 for tax reporting purposes. Under the updated IRS revenue guidelines, the reporting threshold has increased to $2,000.
DVHT Can Integrate with Your Payroll Platform
Jun 1, 2026
The Delaware Valley Health Trust can now support standard 834 enrollment files for employer groups.
Navigating Collective Bargaining with Confidence
May 20, 2026
As municipalities prepare for collective bargaining negotiations, healthcare benefits continue to play a central role in shaping both financial outcomes and employee satisfaction. The Delaware Valley Health Trust (DVHT) is working closely with its members to help guide these discussions, offering tailored plan design and hands-on support throughout the process. DVHT’s approach begins with understanding each member’s unique goals. By meeting directly with municipal teams, the Trust gathers insight into priorities and challenges before developing customized benefit plan options. These recommendations can range from minor plan adjustments to full redesigns, depending on each organization’s needs. Once options are developed, DVHT remains actively involved, helping members evaluate choices, communicate effectively with stakeholders, and move forward with implementation. This collaborative process is designed to ensure that decisions are both informed and aligned with long-term objectives. During the collective bargaining process, DVHT serves as a resource not only for employers but also as a bridge to support clear understanding among all parties involved. The team works alongside labor attorneys and advisors to provide insight into healthcare cost drivers, emerging trends, and strategic plan considerations. By helping unions better understand these factors, DVHT supports more productive and transparent discussions at the bargaining table. Flexibility is another key component of DVHT’s offering. Members are not limited to making changes during a traditional renewal cycle. Instead, plan adjustments can be implemented at any point throughout the year, providing greater control and responsiveness as needs evolve. Available plan options include HMO and PPO plans, as well as high-deductible plans paired with health savings or reimbursement arrangements. Even small plan design changes can have a meaningful impact. Adjustments to copays, deductibles, or prescription coverage often create opportunities for cost savings while maintaining strong benefit offerings for employees. Once agreements are finalized, DVHT focuses on ensuring a smooth and accurate rollout. Working in coordination with its implementation partners, the Trust supports timely plan setup, with new ID cards typically issued ahead of the effective date and sufficient lead time built into the process to avoid disruptions. As a not-for-profit, member-owned organization, DVHT’s mission remains centered on helping municipalities manage rising healthcare costs while continuing to deliver high-quality benefits. Through each phase of the collective bargaining process, the Trust provides practical support, clear communication, and dependable expertise. Members interested in exploring their options or preparing for upcoming negotiations are encouraged to connect with DVHT to learn more about available resources and support. 📩 For additional information, contact Emilie Gutierrez, Manager of Health Trust Operations, at egutierrez@dvtrusts.com.
Stay Up-to-Date
Want to stay in the loop? Sign up for Delaware Valley Trusts Newsletter.

