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Workers’ comp insurance cost for home-health agencies in Illinois
Published 2026-06-11 · by Brokly
- 35% of IL home-health agencies have <5 employees — the chart below prices every size band from its own observed payroll.
- Illinois sits 30th of 51: MS pays more ($1.65), MA less ($1.45).
- Workers’ comp is one of several coverages — see everything your home-health agency needs in Illinois →
What do Illinois home-health agencies pay for workers’ comp?
Modeled annual premium across the real size distribution of IL home-health agencies
bar height = how many home-health agencies are that size · figures = modeled annual cost
Cohort: size distribution of 1,213 IL home-health agencies (Census CBP 2023); premiums modeled from one filed rate ($1.56/$100 payroll, 2024). Bands shown cover 1,202 of 1,213 establishments (99.1%) — 11 establishments in larger, very small-count, or data-suppressed size bands are not shown. 2023 payroll dollars, not inflation-adjusted. Illustrative benchmark — not a quote or coverage recommendation.
Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04) · US Census County Business Patterns 2023, state file (Home health care services (NAICS 621610)) (as of 2023, retrieved 2026-06-05)
How does Illinois compare to nearby ranks?
Calculated manual rates, $ per $100 payroll, NCCI class 8835 (Home Healthcare), 2024. See all 51 jurisdictions →
| Rank | State | Rate / $100 payroll |
|---|---|---|
| 26 | Oregon | $1.64 |
| 27 | Colorado | $1.62 |
| 28 | Louisiana | $1.61 |
| 29 | North Carolina | $1.59 |
| 30 | Illinois | $1.56 |
| 31 | Ohio | $1.55 |
| 32 | Florida | $1.53 |
| 33 | Texas | $1.52 |
| 34 | New Mexico | $1.48 |
Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04)
Frequently asked questions
What does workers' comp cost home-health agencies in Illinois?
Modeled from the 2024 filed manual rate of $1.56 per $100 of payroll: a <5-employee home-health agency lands around $990–$4k per year before experience mods and schedule credits.
What drives the rate up or down?
Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Home-health work is NCCI class 8835 (Home Healthcare) — nurses, aides, and other staff delivering care in patients' homes; office-based healthcare classes like 8832 (Physician & Clerical) are rated separately.
Home-health agencies in nearby-ranked states: Florida ($1.53) · Louisiana ($1.61) · Texas ($1.52) · Mississippi ($1.65)
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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 1,213 Illinois home-health agencies; your premium depends on your payroll, claims history, and carrier.