Excessive turnover is among the largest challenges going through the house well being business. Between workers shortages and fierce competitors from hospitals, nursing properties, and different healthcare employers, house well being suppliers wrestle with each recruiting new staff and retaining current ones.
Providing a robust advantages bundle is a method for house well being corporations to draw expertise. Nonetheless, group medical insurance is usually a poor match for house well being companies managing tight budgets and a mixture of full-time and part-time staff.
The House Well being HRA Report from Take Command presents well being reimbursement preparations (HRAs) as an answer for house well being companies. With HRAs for House Well being corporations, employers set a set 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 House Well being HRA Report:
1. HRAs help recruitment and retention
Sustaining 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 workers members.
In keeping with the House 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 help, staff are much less prone to search for job alternatives elsewhere.
Group insurance coverage is a poor match when staff are distributed throughout areas. It may be tough for workers outdoors the first space to entry in-network care, leaving them feeling poorly served by their well being profit. Particular person protection HRAs supply higher flexibility — staff can select their very own plan based mostly on healthcare suppliers of their native space. With a selection on healthcare, staff throughout areas get probably the most out of their advantages.
Learn our information on boosting recruitment & retention for House Well being Firms!
2. HRAs assist house well being companies get began with advantages
Each house well being firm needs to handle its devoted staff. 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 don’t have to decide on, negotiate, or administer medical insurance to your staff. As a substitute, every member of your workforce 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. Firms 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 primary motive massive corporations flip to HRAs, in accordance with Take Command’s report.
House well being corporations usually 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 USA scale back their healthcare spend and enhance worker satisfaction. Learn the report in full to search out out if HRAs are a match to your group.
