Health Insurance for Nannies

A Plan that Protects Both You and Your Nanny

Anyone can be caught off guard by an unexpected illness or injury. Employers and nannies alike benefit from household employee healthcare coverage. That’s because health insurance for nannies:

• Helps you attract and retain top employees.
• Protects nannies financially. Healthcare coverage limits out-of-pocket costs, protects assets, and safeguards future earnings.
• Covers more than just injury and illness. It’s not just the emergencies that insurance covers, it’s also the preventative healthcare needed to safeguard against future health problems, eliminating surprise illnesses and the resulting absenteeism.
• Can be surprisingly affordable. When employers make contributions toward premiums, your nanny can pay low monthly payments.

Through our affiliate, GTM Insurance Agency, GTM can offer a variety of health insurance options for nannies.

Let us help you find the best health insurance plan for your nanny.

Looking for more? Check out our dental and vision plans as well as other health benefits options or download our Employee Benefits Overview (PDF).

Health Insurance & Benefits Options Comparison

The information below will help you compare the various plans and select one that will best meet the needs of your nanny. These are contribution rates for 2025.

FSA

✔ Employer funded

✔ Employer tax savings

✔ Employee funded

✔ Employee tax savings

✔ Covers out-of-pocket expenses

✘ Covers insurance premiums

✘ Used to purchase health insurance

Contribution limit: $3,300

Pairing: N/A

Coverage restrictions: None

HRA

✔ Employer funded

✔ Employer tax savings

✘ Employee funded

✘ Employee tax savings

✔ Covers out-of-pocket expenses

✔ Covers insurance premiums

✘ Used to purchase health insurance

Contribution limit: No limit

Pairing: Group plan

Coverage restrictions: Must cover at least two employees

HSA

✔ Employer funded

✔ Employer tax savings

✔ Employee funded

✔ Employee tax savings

✔ Covers out-of-pocket expenses

✔ Covers insurance premiums

✘ Used to purchase health insurance

Contribution limit: $4,300 single / $8,550 family

Pairing: High-deductible plan

Coverage restrictions: None

QSEHRA

✔ Employer funded

✔ Employer tax savings

✘ Employee funded

✘ Employee tax savings

✔ Covers out-of-pocket expenses

✔ Covers insurance premiums

✔ Used to purchase health insurance

Contribution limit: $6,350 single / $12,800 family

Pairing: Individual plans

Coverage restrictions: None

ICHRA

✔ Employer funded

✔ Employer tax savings

✘ Employee funded

✘ Employee tax savings

✔ Covers out-of-pocket expenses

✔ Covers insurance premiums

✔ Used to purchase health insurance

Contribution limit: No limit

Pairing: N/A

Coverage restrictions: None