High turnover is likely one of the largest challenges dealing with the house well being business. Between employees shortages and fierce competitors from hospitals, nursing houses, and different healthcare employers, house well being suppliers battle with each recruiting new staff and retaining current ones.
Offering a powerful advantages package deal is a technique for house well being corporations to draw expertise. However, group medical insurance is commonly a poor match for house well being companies managing tight budgets and a mixture of full-time and part-time staff.
The Home Health HRA Report from Take Command presents well being reimbursement preparations (HRAs) as an answer for house well being companies. With HRAs for Home Health corporations, employers set a hard and fast funds for healthcare advantages, and staff obtain an allowance to spend on high quality protection that meets their wants.
Let’s check out three key takeaways from the 2025 Home Health HRA Report:
1. HRAs assist recruitment and retention
Maintaining a steady workforce permits house well being corporations to supply the constant, high quality care sufferers count on. It additionally helps companies keep away from the prices related to recruiting and coaching new employees members.
According to the Home Health HRA Report, 23% of small house well being corporations turned to ICHRA to enhance retention.
With HRAs, caregivers have entry to the reasonably priced protection they should prioritize their well being. With that assist, staff are much less more likely to search for job alternatives elsewhere.
Group insurance coverage is a poor match when staff are distributed throughout places. It might be troublesome for workers outdoors the first space to entry in-network care, leaving them feeling poorly served by their well being profit. Individual protection HRAs supply better flexibility — staff can select their very own plan primarily based on healthcare suppliers of their native space. With a selection on healthcare, staff throughout places get probably the most out of their advantages.
Read our information on boosting recruitment & retention for Home Health Companies!
2. HRAs assist house well being companies get began with advantages
Every house well being firm needs to handle its devoted staff. However, excessive prices and strict participation necessities lock many small companies out of group plans earlier than they will even start.
HRAs are an reasonably priced place to begin for corporations providing advantages for the primary time.
In 2025, 35% of Take Command’s house well being shoppers have been new to advantages.
With HRAs, you can begin providing aggressive advantages with out shouldering the monetary burden of group insurance coverage.
HRAs additionally cut back the executive complexity of providing well being advantages. As the employer, you should not have to decide on, negotiate, or administer medical insurance on your staff. Instead, every member of your group retailers for and buys their very own insurance coverage on the person market. Small house well being corporations, even these with out devoted HR departments, can simply handle advantages with HRAs.
3. Companies usually see 30% financial savings with ICHRA
For house well being corporations already providing advantages, HRAs function an off-ramp from costly group plans. The price of group insurance coverage is the principle cause giant corporations flip to HRAs, in line with Take Command’s report.
Home well being corporations typically get caught in a cycle of accelerating renewal charges. Group insurance coverage premiums usually rise 12 months after 12 months, and only one excessive claimant can ship these prices spiraling. HRAs are a fixed-cost different — you management your healthcare spend and staff get the standard protection they deserve.
The common reimbursement charge for households on Take Command’s ICHRA platform is $5,503.84 lower than the typical yearly premium for employer-sponsored household well being protection. These financial savings don’t compromise the standard of protection on supply — 65% of house well being ICHRA plans are gold, silver, or platinum.
HRAs are serving to house well being corporations throughout the United States cut back their healthcare spend and improve worker satisfaction. Read the report in full to seek out out if HRAs are a match on your group.