Three Key Takeaways from Take Command's 2025 Home Health HRA Report

High turnover is one of the biggest challenges facing the home health industry. Between staff shortages and fierce competition from hospitals, nursing homes, and other healthcare employers, home health providers struggle with both recruiting new employees and retaining existing ones.

Offering a strong benefits package is one way for home health companies to attract talent.  However, group health insurance is often a poor fit for home health agencies managing tight budgets and a mix of full-time and part-time employees.

The Home Health HRA Report from Take Command presents health reimbursement arrangements (HRAs) as a solution for home health agencies. With HRAs for Home Health companies, employers set a fixed budget for healthcare benefits, and employees receive an allowance to spend on quality coverage that meets their needs. 

Let’s take a look at three key takeaways from the 2025 Home Health HRA Report: 

1. HRAs support recruitment and retention

Maintaining a stable workforce allows home health companies to provide the consistent, quality care patients expect. It also helps businesses avoid the costs associated with recruiting and training new staff members.

According to the Home Health HRA Report, 23% of small home health companies turned to ICHRA to improve retention.

With HRAs, caregivers have access to the affordable coverage they need to prioritize their health. With that support, employees are less likely to look for job opportunities elsewhere.

Group insurance is a poor fit when employees are distributed across locations. It can be difficult for employees outside the primary area to access in-network care, leaving them feeling poorly served by their health benefit. Individual coverage HRAs offer greater flexibility — employees can choose their own plan based on healthcare providers in their local area. With a choice on healthcare, employees across locations get the most out of their benefits.

Read our guide on boosting recruitment & retention for Home Health Companies! 

2. HRAs help home health agencies get started with benefits

Every home health company wants to take care of its dedicated employees. However, high costs and strict participation requirements lock many small businesses out of group plans before they can even begin.

HRAs are an affordable starting point for companies offering benefits for the first time.

In 2025, 35% of Take Command’s home health clients were new to benefits. 

With HRAs, you can start offering competitive benefits without shouldering the financial burden of group insurance.

HRAs also reduce the administrative complexity of offering health benefits. As the employer, you do not have to choose, negotiate, or administer health insurance for your employees. Instead, each member of your team shops for and buys their own insurance on the individual market. Small home health companies, even those without dedicated HR departments, can easily manage benefits with HRAs. 

3. Companies typically see 30% savings with ICHRA 

For home health companies already offering benefits, HRAs serve as an off-ramp from expensive group plans. The cost of group insurance is the main reason large companies turn to HRAs, according to Take Command’s report. 

Home health companies often get stuck in a cycle of increasing renewal rates. Group insurance premiums typically rise year after year, and just one high claimant can send those costs spiraling. HRAs are a fixed-cost alternative — you control your healthcare spend and employees get the quality coverage they deserve. 

The average reimbursement rate for families on Take Command’s ICHRA platform is $5,503.84 less than the average yearly premium for employer-sponsored family health coverage. These savings do not compromise the quality of coverage on offer — 65% of home health ICHRA plans are gold, silver, or platinum.

HRAs are helping home health companies across the United States reduce their healthcare spend and increase employee satisfaction. Read the report in full to find out if HRAs are a fit for your organization.