Excessive turnover is likely one of the greatest challenges going through the house well being business. Between employees shortages and fierce competitors from hospitals, nursing properties, and different healthcare employers, residence well being suppliers wrestle with each recruiting new workers and retaining current ones.
Providing a powerful advantages bundle is a technique for residence well being corporations to draw expertise. Nonetheless, group medical health insurance is usually a poor match for residence well being businesses managing tight budgets and a mixture of full-time and part-time workers.
The Dwelling Well being HRA Report from Take Command presents well being reimbursement preparations (HRAs) as an answer for residence well being businesses. With HRAs for Home Health companies, employers set a set finances for healthcare advantages, and workers obtain an allowance to spend on high quality protection that meets their wants.
Let’s check out three key takeaways from the 2025 Dwelling Well being HRA Report:
1. HRAs help recruitment and retention
Sustaining a steady workforce permits home health 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.
In response to the Dwelling Well being HRA Report, 23% of small residence 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 help, workers are much less prone to search for job alternatives elsewhere.
Group insurance coverage is a poor match when workers are distributed throughout areas. It may be tough for workers exterior the first space to entry in-network care, leaving them feeling poorly served by their well being profit. Particular person protection HRAs provide better flexibility — workers can select their very own plan primarily based on healthcare suppliers of their native space. With a selection on healthcare, workers throughout areas get essentially the most out of their advantages.
Read our guide on boosting recruitment & retention for Home Health Companies!
2. HRAs assist residence well being businesses get began with advantages
Each residence well being firm desires to care for its devoted workers. Nonetheless, excessive prices and strict participation necessities lock many small companies out of group plans earlier than they’ll even start.
HRAs are an reasonably priced start line for corporations providing advantages for the primary time.
In 2025, 35% of Take Command’s residence well being shoppers have been new to benefits.
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. Because the employer, you shouldn’t have to decide on, negotiate, or administer medical health insurance on your workers. As a substitute, every member of your crew retailers for and buys their very own insurance coverage on the person market. Small residence well being corporations, even these with out devoted HR departments, can simply handle advantages with HRAs.
3. Corporations usually see 30% financial savings with ICHRA
For residence well being corporations already providing advantages, HRAs function an off-ramp from costly group plans. The price of group insurance coverage is the primary purpose massive corporations flip to HRAs, in accordance with Take Command’s report.
Dwelling well being corporations typically get caught in a cycle of accelerating renewal charges. Group insurance coverage premiums usually rise yr after yr, and only one excessive claimant can ship these prices spiraling. HRAs are a fixed-cost various — you management your healthcare spend and workers get the standard protection they deserve.
The typical reimbursement fee for households on Take Command’s ICHRA platform is $5,503.84 lower than the common yearly premium for employer-sponsored household well being protection. These financial savings don’t compromise the standard of protection on provide — 65% of residence well being ICHRA plans are gold, silver, or platinum.
HRAs are serving to residence well being corporations throughout america cut back their healthcare spend and improve worker satisfaction. Learn the report in full to search out out if HRAs are a match on your group.
