Excessive turnover is without doubt one of the greatest challenges going through the house well being trade. Between employees 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 powerful advantages bundle is a method for house well being firms to draw expertise. Nevertheless, group medical health insurance is commonly a poor match for house well being companies 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 companies. With HRAs for Residence Well being firms, employers set a set price range 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 help recruitment and retention
Sustaining a secure workforce permits house well being firms 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 line with the Residence Well being HRA Report, 23% of small house well being firms turned to ICHRA to enhance retention.
With HRAs, caregivers have entry to the inexpensive protection they should prioritize their well being. With that help, workers are much less more likely to search for job alternatives elsewhere.
Group insurance coverage is a poor match when workers are distributed throughout areas. It may be troublesome 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.
Learn our information on boosting recruitment & retention for Residence Well being Corporations!
2. HRAs assist house well being companies get began with advantages
Each house well being firm desires to deal with its devoted workers. Nevertheless, excessive prices and strict participation necessities lock many small companies out of group plans earlier than they’ll even start.
HRAs are an inexpensive place to begin for firms providing advantages for the primary time.
In 2025, 35% of Take Command’s house well being shoppers had 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. Because the employer, you should not have to decide on, negotiate, or administer medical health insurance to your workers. As an alternative, every member of your crew outlets for and buys their very own insurance coverage on the person market. Small house well being firms, even these with out devoted HR departments, can simply handle advantages with HRAs.
3. Corporations usually see 30% financial savings with ICHRA
For house well being firms already providing advantages, HRAs function an off-ramp from costly group plans. The price of group insurance coverage is the primary cause massive firms flip to HRAs, based on Take Command’s report.
Residence well being firms 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 workers get the standard protection they deserve.
The common reimbursement price 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 firms throughout the USA cut back their healthcare spend and improve worker satisfaction. Learn the report in full to search out out if HRAs are a match to your group.
