Excessive turnover is likely one of the largest challenges dealing with the house well being trade. Between workers shortages and fierce competitors from hospitals, nursing properties, and different healthcare employers, house well being suppliers battle with each recruiting new workers and retaining present ones.
Providing a robust advantages bundle is a method for house well being corporations to draw expertise. Nonetheless, group medical insurance is commonly a poor match for house well being businesses managing tight budgets and a mixture of full-time and part-time workers.
The Residence Well being HRA Report from Take Command presents well being reimbursement preparations (HRAs) as an answer for house well being businesses. With HRAs for Residence Well being corporations, employers set a hard and fast 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 Residence Well being HRA Report:
1. HRAs assist recruitment and retention
Sustaining a secure 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 workers members.
Based on the Residence Well being HRA Report, 23% of small house well being corporations turned to ICHRA to enhance retention.
With HRAs, caregivers have entry to the inexpensive protection they should prioritize their well being. With that assist, workers are much less prone to search for job alternatives elsewhere.
Group insurance coverage is a poor match when workers are distributed throughout places. 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 higher flexibility — workers can select their very own plan primarily based on healthcare suppliers of their native space. With a selection on healthcare, workers throughout places get essentially the most out of their advantages.
Learn our information on boosting recruitment & retention for Residence Well being Firms!
2. HRAs assist house well being businesses get began with advantages
Each house well being firm needs to maintain 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 inexpensive start line for corporations providing advantages for the primary time.
In 2025, 35% of Take Command’s house well being purchasers 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 scale back the executive complexity of providing well being advantages. Because the employer, you do not need to decide on, negotiate, or administer medical insurance on your workers. As an alternative, every member of your workforce outlets 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. Firms sometimes 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 massive corporations flip to HRAs, in accordance with Take Command’s report.
Residence well being corporations usually get caught in a cycle of accelerating renewal charges. Group insurance coverage premiums sometimes 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 workers 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 provide — 65% of house well being ICHRA plans are gold, silver, or platinum.
HRAs are serving to house well being corporations throughout the US scale back their healthcare spend and improve worker satisfaction. Learn the report in full to seek out out if HRAs are a match on your group.
