A better way for Louisiana businesses to offer health coverage
Chambers Health Trust pools eligible Louisiana employers together to access quality, affordable group health coverage built specifically for the needs of Louisiana’s business community.
Shared purchasing power. Group-specific underwriting.
A Multiple Employer Welfare Arrangement (MEWA) pools several employers into one self-funded plan. Employers contribute to a shared trust, which pays claims and is overseen by a board elected by its members.
Your rate reflects your group
CHT reviews your group’s coverage, claims history, and health information to set one combined rate.
A strong health history may mean a better rate, but CHT won’t cost less for every group. Rates can also change at renewal as your group’s experience, demographics, and participation change.
Underwriting cannot charge individual employees differently or deny coverage based on personal health factors. This page is a general overview—your plan documents govern eligibility, coverage, underwriting, and funding.
Coverage designed for eligible Louisiana employers
CHT is open to Louisiana businesses that meet a few requirements around group size, chamber membership, and participation.
You do not need to be a chamber member to request a quote. Membership is required before the group enrolls, and final eligibility is confirmed from the group’s current information and supporting documents.
Business is domiciled in Louisiana.
At least 2 full-time employees enroll (30+ hrs/week, W-2 status, or a documented business owner).
Group is in good standing with the Greater Jefferson Chamber (or local chamber, if one exists)—required before enrolling, not before quoting.
At least 50% of eligible employees enroll, after valid waivers (spousal coverage, Medicaid, Medicare, TRICARE).
Employer pays at least 50% of employee-only coverage and provides a current SUTA report.
Come prepared. We’ll guide the rest.
Request a quote anytime—there’s no enrollment window to wait for. Start with a few basics about your group, your current coverage, and recent claims.
From request to final rates
Submit your info
Share your employee census, current plan and premiums, renewal quote (if applicable), and claims reports.
Review the illustrative quote
We’ll turn this into an initial quote, usually within a few days.
Complete underwriting
Employees applying for coverage complete a Personal Health Questionnaire through a secure, HIPAA-compliant portal. Accurate answers are essential to fair pricing; anyone not enrolling submits a waiver.
Finalize & enroll
After underwriting, you’ll receive a contingent quote. Your rate locks in once you confirm who’s enrolling, then you complete enrollment.
Ready to see your numbers?
Request a quoteMember-driven health coverage
Chambers Health Trust launched in 2021 to bring quality group health coverage within reach for Louisiana’s business community.
As CHT grows, our focus stays the same: representing our members and building coverage around what they actually need.
