Three Key Takeaways from Take Command’s 2025 Dwelling Well being HRA Report

Excessive turnover is likely one of the largest challenges dealing with the house well being business. Between workers shortages and fierce competitors from hospitals, nursing properties, and different healthcare employers, dwelling well being suppliers battle with each recruiting new workers and retaining current ones.

Providing a robust advantages bundle is a technique for dwelling well being corporations to draw expertise.  Nevertheless, group medical insurance is usually a poor match for dwelling 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 dwelling well being businesses. With HRAs for Dwelling Well being corporations, 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 Dwelling Well being HRA Report: 

1. HRAs assist recruitment and retention

Sustaining a secure workforce permits dwelling well being corporations to offer 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 accordance with the Dwelling Well being HRA Report, 23% of small dwelling 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 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 larger 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 probably the most out of their advantages.

Learn our information on boosting recruitment & retention for Dwelling Well being Firms! 

2. HRAs assist dwelling well being businesses get began with advantages

Each dwelling well being firm needs to handle its devoted workers. Nevertheless, excessive prices and strict participation necessities lock many small companies out of group plans earlier than they will even start.

HRAs are an inexpensive start line for corporations providing advantages for the primary time.

In 2025, 35% of Take Command’s dwelling well being purchasers 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 scale back the executive complexity of providing well being advantages. Because the employer, you wouldn’t have to decide on, negotiate, or administer medical insurance on your workers. As an alternative, every member of your staff retailers for and buys their very own insurance coverage on the person market. Small dwelling 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 dwelling well being corporations already providing advantages, HRAs function an off-ramp from costly group plans. The price of group insurance coverage is the principle 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 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 dwelling well being ICHRA plans are gold, silver, or platinum.

HRAs are serving to dwelling well being corporations throughout the US scale back their healthcare spend and enhance worker satisfaction. Learn the report in full to search out out if HRAs are a match on your group.