The cost for recommended future home health care is often the largest component of economic damages in catastrophic personal injury cases. To estimate the cost of this future care, life care planners usually conduct a survey of area home health agencies to determine the average hourly rate for the recommended type of provider, then apply this rate to the number of hours of care required per year. This paper examines the likelihood of agency-hire home health care versus private-hire home health care and their comparative costs. Using federal survey and cost data, this research shows 80% to 90% of those who self-pay use private-hire home health care. Accounting for all costs associated with private-hire care, this paper estimates private hired care is 40% to 60% of the cost of agency hired home health care.