High employee turnover continues to challenge the home health industry. With staffing shortages and stiff competition from hospitals, nursing homes, and other healthcare providers, home health agencies find it tough to attract and retain top talent.
A compelling benefits package can be a game-changer in this fight for skilled workers. Yet, traditional group health insurance often falls short for home health agencies juggling tight budgets and a workforce split between full-time and part-time employees.
Enter the Home Health HRA Report from Take Command, which highlights Health Reimbursement Arrangements (HRAs) as a smart, flexible solution for home health companies. With HRAs tailored for home health, employers set a fixed budget for healthcare benefits, while employees receive a personalized allowance to spend on coverage that truly fits their individual needs.
Here are three standout takeaways from the 2025 Home Health HRA Report:
1. HRAs Boost Recruitment and Retention
A stable workforce is the backbone of quality patient care and keeps costly recruitment and training cycles at bay. According to the report, 23% of small home health providers turned to Individual Coverage HRAs (ICHRAs) to improve employee retention.
HRAs empower caregivers with affordable, personalized healthcare options, helping them stay healthy and loyal. Unlike group plans that struggle with in-network access issues across different locations, HRAs give employees the freedom to choose plans tailored to their local providers—no matter where they work.
This flexibility means employees feel valued and supported, reducing their urge to seek opportunities elsewhere.
[Explore our guide on boosting recruitment and retention for home health companies!]2. HRAs Make Benefits Accessible for Home Health Agencies
Offering benefits can feel like a daunting financial and administrative hurdle, especially for smaller agencies. Group health plans often come with high costs and strict participation rules that leave many businesses on the sidelines.
HRAs offer an affordable, low-risk way to step into the benefits game. In 2025, 35% of Take Command’s home health clients were first-time benefits adopters.
With HRAs, employers avoid the hefty premiums and administrative headaches of group insurance. Instead, employees shop for and purchase their own individual plans, easing the burden on small teams without dedicated HR departments.
3. HRAs Deliver Big Savings — About 30% Compared to Group Plans
For home health providers already offering benefits, HRAs can be a lifeline out of the cycle of rising group insurance costs. Take Command’s report highlights cost as the primary reason larger companies are shifting to HRAs.
Group insurance premiums tend to climb year after year, often triggered by one or two high-claim employees. HRAs offer a predictable, fixed-cost alternative, putting employers in control of their healthcare budgets while employees enjoy quality coverage.
On average, families using Take Command’s ICHRA platform save $5,503.84 annually compared to traditional employer-sponsored family health plans. And these savings don’t come at the expense of care—65% of home health ICHRA plans are gold, silver, or platinum level.
Across the U.S., HRAs are helping home health agencies cut costs and boost employee satisfaction.
Ready to see if HRAs could be the right fit for your organization? Dive into the full Home Health HRA Report for all the insights!