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Workers’ comp rates for home-health agencies, state by state

Published 2026-06-11 · by Brokly

Required in nearly all states

Direct answer: workers’ comp is required in nearly every state once home-health agencies have employees — each state sets its own threshold and files its own rates. For NCCI class 8835 they span $0.33 to $4.58 per $100 of payroll (2024 filed) — Hawaii is the most expensive, North Dakota the cheapest, and the median state pays $1.64. Pick your state below for its mandate and modeled dollar costs by business size.

Requirement: NAIC — Small Business Insurance. Thresholds vary by state — your state’s guide below has the statute.

Highest state
$4.58 Hawaii
as of 2024
Median state
$1.64 / $100 payroll
as of 2024
Lowest state
$0.33 North Dakota
as of 2024
Home health care services (NAICS 621610) covered
29,576 establishments in 23 states
as of CBP 2023
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How much is workers’ comp for home-health agencies in each state?

Calculated manual rates, $ per $100 payroll, NCCI class 8835 (Home Healthcare), 2024. The study notes rates “may include loss cost multipliers and assessments.” Alphabetical; rank 1 = most expensive of 51. Linked state names open the state’s coverage guide; linked rates open the cost breakdown.

StateRate / $100 payrollTypical home-health agency, modeled $/yrRank
Alabama$2.18—15
Alaska$1.83—21
Arizona$0.90≈$94046
Arkansas$0.86—48
California$3.34≈$2.9k3
Colorado$1.62—27
Connecticut$2.10≈$1.8k16
Delaware$2.48—9
District of Columbia$0.91—45
Florida$1.53≈$1.2k32
Georgia$2.27≈$1.8k14
Hawaii$4.58—1
Idaho$2.27—13
Illinois$1.56≈$1.4k30
Indiana$1.41≈$1.6k37
Iowa$1.71—23
Kansas$1.17≈$1.2k41
Kentucky$1.06≈$1.1k43
Louisiana$1.61≈$21k28
Maine$2.58—7
Maryland$1.15≈$93042
Massachusetts$1.45—35
Michigan$1.98≈$1.2k20
Minnesota$1.28—38
Mississippi$1.65≈$1.8k25
Missouri$2.38—11
Montana$2.42—10
Nebraska$1.75—22
Nevada$0.55≈$64050
New Hampshire$2.36—12
New Jersey$4.30≈$5.8k2
New Mexico$1.48—34
New York$2.83≈$2.7k5
North Carolina$1.59—29
North Dakota †$0.33—51
Ohio †$1.55—31
Oklahoma$2.53≈$17k8
Oregon$1.64—26
Pennsylvania$2.07≈$2.3k17
Rhode Island$2.71—6
South Carolina$2.02—19
South Dakota$1.70—24
Tennessee$1.43≈$22k36
Texas$1.52≈$1.5k33
Utah$1.05≈$1k44
Vermont$3.05—4
Virginia$1.19≈$98039
Washington †$2.06—18
West Virginia$0.79—49
Wisconsin$1.17≈$78040
Wyoming †$0.88—47

† state-fund jurisdiction — workers’ comp is purchased through the state, not a private market. Unlinked states lack a published rate or a defensible business-size cohort. Modeled — not quotes: each figure prices that state’s most common home-health agency size band from the state’s own observed payroll (CBP 2023), so dollar order can differ from rate rank.

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)

Frequently asked questions

Why do rates for the same trade differ several-fold between states?

Each state approves its own rates from its own claims experience — benefit levels, medical costs, and litigation environments differ. The rate is per $100 of payroll, so state wage levels move the dollar premium too.

Is the rate what I’ll actually pay?

No — it’s the filed starting point. Your payroll sets the base, your claims history (experience mod) scales it, and insurer schedule credits move it further. Illustrative benchmark — not a quote or coverage recommendation.

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