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

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 workers and retaining present ones.

Providing a powerful advantages package deal is a technique for house well being firms 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 workers.

The Dwelling Well being HRA Report from Take Command presents well being reimbursement preparations (HRAs) as an answer for house well being companies. With HRAs for Dwelling Well being firms, 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 Dwelling Well being HRA Report: 

1. HRAs assist recruitment and retention

Sustaining a secure workforce permits house well being firms to offer the constant, high quality care sufferers anticipate. It additionally helps companies keep away from the prices related to recruiting and coaching new workers members.

In line with the Dwelling Well being HRA Report, 23% of small house well being firms turned to ICHRA to enhance retention.

With HRAs, caregivers have entry to the reasonably priced 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 larger flexibility — workers can select their very own plan based mostly on healthcare suppliers of their native space. With a alternative on healthcare, workers throughout places get essentially the most out of their advantages.

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

2. HRAs assist house well being companies get began with advantages

Each house well being firm needs to deal with 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 firms 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 should not have to decide on, negotiate, or administer medical insurance in your workers. As a substitute, every member of your crew retailers 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. Firms sometimes 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 principle purpose giant firms flip to HRAs, in keeping with Take Command’s report. 

Dwelling well being firms typically 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 various — you management your healthcare spend and workers get the standard protection they deserve. 

The typical 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 america scale back their healthcare spend and improve worker satisfaction. Learn the report in full to seek out out if HRAs are a match in your group.