Why Your Health and Financial Wellness Matter
As a household professional—whether you’re a nanny, newborn care specialist, housekeeper, or estate manager—you play an essential role in supporting families and running their homes smoothly. But caring for others begins with caring for yourself, both your health and financial wellness.
Access to healthcare and retirement savings isn’t just about coverage—it’s about peace of mind, stability, and confidence in your career.
At Town + Country Resources, we encourage every professional we work with to understand their options for healthcare and financial wellness. Even if your employer doesn’t provide full benefits, there are accessible ways to get coverage and plan for the future.
1. Understanding How Healthcare Benefits Work in Private Homes
Most household employers are individual families, not large corporations. That means they often don’t offer traditional employer-sponsored health insurance.
Instead, many families choose to provide a monthly healthcare stipend to help their employee cover part of the cost of their own plan.
💡 It’s common for a family to contribute around 50% of the total monthly premium, though each arrangement varies.
This approach allows you to:
- Maintain coverage even if you change jobs
- Access preventive care and lower-cost virtual or urgent care options
- Find a plan that fits your personal and family needs
If your employer offers a stipend, be sure to clarify how it’s paid (for example, as a set amount each month) and whether you’ll need to provide proof of coverage.
2. Stride Health: A Simple Way to Find Affordable Coverage
Town + Country partners with Stride Health, a trusted resource for caregivers and household professionals looking for affordable, personalized health insurance.
Stride makes it easy to:
- Find a health plan in under 10 minutes
- Get personalized recommendations based on income, family size, and location
- Enroll quickly and easily—often with premium subsidies that lower your monthly cost
- Access supplemental options like dental, vision, and disability coverage.
🗓 Open Enrollment runs from November 1, 2025 to January 15, 2026.
Enroll by December 15 to start coverage on January 1.
Visit stridehealth.com or call (415) 466-8295 for free support.
3. Planning for the Future with CalSavers
CalSavers is California’s retirement savings program designed for employees who don’t have access to a workplace retirement plan.
Here’s what to know:
- You contribute directly from your paycheck into your own retirement account
- It’s portable—you keep it even if you change jobs
- There’s no cost to you beyond your contribution
Even small, consistent contributions can add up over time. Participating in CalSavers is one of the simplest ways to build long-term financial security and peace of mind for your future.
Learn more at calsavers.com or call (855) 650-6918 for free support.
4. Take Ownership of Your Wellness
Even if your employer can’t pay for your full coverage, your health and financial future are worth investing in. Here’s how to take action:
- Research your healthcare options with Stride
- Ask your employer if a partial stipend or reimbursement is available
- Enroll in CalSavers to start building retirement savings
- Keep your records and coverage details organized
Taking these steps not only protects your well-being—it demonstrates professionalism, responsibility, and commitment to your career.
A Note from Town + Country
At Town + Country Resources, we’re proud to represent professionals who take their careers seriously. By understanding your benefits options and advocating for yourself, you’re building a stable, sustainable career—and setting the standard for professionalism in private service.
Your well-being matters. When you take care of yourself, you’re better equipped to take care of others.
