The hourly rate charged by an ADMR association in service mode generally ranges from 22 to 30 euros depending on the departmental federation. This gross amount almost never corresponds to what the family actually pays. Several public schemes, which can be combined, allow for the bill to be halved or even more, provided they are activated in the correct order.
July 2026 Decree on exemptions: what changes for those aged 70-79
Decree No. 2026-261 of April 8, 2026, raises the automatic exemption threshold for employer contributions for the direct employment of a home helper from 70 to 80 years. For private employers aged 70 to 79 who do not benefit from APA or PCH, the Fepem estimates the increase at approximately 2.15 euros gross per hour at the minimum wage level.
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This measure, effective from July 2026, does not concern families that go through a service provider like ADMR. The additional cost only affects direct employment. To avoid it, there are two options: switch to a service provider or obtain an APA/PCH decision, as these allowances maintain the exemption regardless of age.
This decree reinforces the importance of understanding the ADMR hourly rate before choosing between direct employment and service mode, especially for beneficiaries close to the 70-79 age range.
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APA and PCH: two allowances that reduce the ADMR rate before payment
The personalized autonomy allowance (APA) is paid by the department to individuals aged 60 and over classified in GIR 1 to 4. Its amount depends on the aid plan established by the medical-social team and the beneficiary’s resources. The APA directly covers part of the home intervention hours, including those billed by ADMR.
The compensation benefit for disability (PCH) is aimed at people with disabilities, with no minimum age requirement for the initial request. It finances human assistance according to an hourly rate set by the MDPH. APA and PCH cannot be combined, but each reduces the bill even before the tax credit is applied.
Out-of-pocket expenses after APA based on income level
The co-payment for APA varies from 0% for the lowest incomes to 90% for the highest. In practice, the majority of beneficiaries retain a partial out-of-pocket expense on which the tax credit then applies. This cascading mechanism significantly lowers the actual cost per hour well below the displayed rate.
50% tax credit and immediate advance ADMR in 2026
All tax households benefit from a 50% tax credit on the amounts spent for personal services, including home assistance billed by ADMR. This credit applies to the out-of-pocket expense, that is, after deducting the APA or PCH.
The new development that changes the game in 2025-2026: the immediate tax credit advance is now extended to mandating and associative structures, including ADMR federations affiliated with the Philia group. The family no longer has to advance cash. The reduction appears directly on the monthly bill.
Concrete operation of the immediate advance
- ADMR transmits intervention data to Urssaf via the Cesu+ system
- The tax credit is automatically calculated and deducted from the amount collected each month
- The family pays only half of the out-of-pocket expense, without waiting for the following year’s tax declaration
For an hour billed at 25 euros by ADMR, after partial coverage by the APA and application of the immediate advance, the actual cost can drop below 5 euros per hour in the most favorable situations.
Salary increase of June 2026: impact on the ADMR hourly rate
The government has approved a salary increase for home helpers in the non-profit sector, effective June 1, 2026. This increase, estimated at an additional 63 euros gross per month, directly affects employees of ADMR associations.
This increase mechanically impacts the hourly rate charged to beneficiaries. The rise remains moderate relative to the hour, but it adds to previous increases. For families, the effect is partially absorbed by the tax credit and the APA, which apply to the new rate.
Anticipate the increase rather than endure it
- Request the local ADMR federation for the updated hourly rate after June 2026
- Have the APA aid plan revised with the department if the number of allocated hours no longer meets needs
- Check the activation of the immediate tax credit advance to avoid any cash flow delays
- Compare the ADMR service provider rate with the actual cost of direct employment, especially for those aged 70-79 affected by the July 2026 decree
The combination of APA + immediate tax credit advance remains the most effective lever to reduce the ADMR hourly rate in 2026. The sequence to follow is precise: first obtain the APA or PCH, then activate the immediate advance with the local association. Each missed step leaves money on the table.