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Workers’ comp insurance cost for home-health agencies in Texas
Published 2026-06-11 · by Brokly
- 26% of TX home-health agencies have <5 employees — the chart below prices every size band from its own observed payroll.
- Texas sits 33rd of 51: LA pays more ($1.61), MN less ($1.28).
- Workers’ comp is one of several coverages — see everything your home-health agency needs in Texas →
What do Texas home-health agencies pay for workers’ comp?
Modeled annual premium across the real size distribution of TX home-health agencies
bar height = how many home-health agencies are that size · figures = modeled annual cost
Cohort: size distribution of 4,550 TX home-health agencies (Census CBP 2023); premiums modeled from one filed rate ($1.52/$100 payroll, 2024). Bands shown cover 4,388 of 4,550 establishments (96.4%) — 162 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) · Texas Dept. of Insurance — WC insurance-company rate filings (LCMs + schedule rating) (as of 2026-05-28, retrieved 2026-06-05)
How does Texas 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 |
|---|---|---|
| 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 |
| 35 | Massachusetts | $1.45 |
| 36 | Tennessee | $1.43 |
| 37 | Indiana | $1.41 |
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 Texas?
Modeled from the 2024 filed manual rate of $1.52 per $100 of payroll: a <5-employee home-health agency lands around $940–$3.7k 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.
Why do quotes for the same business differ so much between insurers?
Each carrier files its own pricing with the Texas Department of Insurance — across 300+ filings, loss-cost multipliers span 0.09×–5.93× (special programs included) and filed schedule-rating credits/debits reach ±40%. Same class code, very different filed prices — which is why brokers shop the market.
Home-health agencies in nearby-ranked states: Florida ($1.53) · Illinois ($1.56) · Tennessee ($1.43) · Indiana ($1.41)
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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 4,550 Texas home-health agencies; your premium depends on your payroll, claims history, and carrier.