Health Insurance for Nannies

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 Chart

This chart 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	HRA	HSA	QSEHRA	ICHRA	POP
Employer funded
Employer tax savings
Employee funded
Employee tax savings
Covers out-of-pocket expenses
Covers insurance premiums
Used to purchase health insurance
Contribution limits	$3,300	No limit	$4,300 single $8,550 family	$6,350 single $12,800 family	No limit	No limit
Pairings	N/A	Group plan	High-deductible plan	Individual plans	N/A	Group plan
Coverage restrictions	None	Must cover at least two employees	None	None	None	None