What the cost gap actually looks like
The figures below are industry benchmarks from published national data, not MedicalMatch outcomes. They describe the cost gap InternalPool is built to address.
| Internal pool | Travel and contract coverage |
|---|
| Fully loaded annual cost per RN FTE | $123,676 | $189,758 |
| Gap per FTE | | $66,081 more |
| Typical hourly rate | Employed base rate | Averages $91, ranges to $160 |
| Markup over base wages | None | 40% to 60% agency markup |
| Time to fill an experienced RN externally | Internal, same-day possible | 78 days |
| Onboarding required | Once per system | Per assignment |
| Unit familiarity and EHR fluency | Retained | Rebuilt each contract |
| Credential visibility | Continuous | Vendor-dependent |
At that gap, replacing 20 travel RNs with employed staff is worth roughly $1.32 million a year.
Seventy point seven percent of hospitals said they plan to reduce travel and agency usage in 2026. RN turnover cost the average hospital $60,090 per nurse in 2025, against a 17.6% national turnover rate and an 8.6% vacancy rate. Health systems using flexible internal staffing models have reported overtime falling from 15% to 6% of total hours, alongside a 4 point drop in turnover.
Sources: NSI Nursing Solutions, 2026 National Health Care Retention and RN Staffing Report, covering 527 acute care hospitals across 40 states and 262,405 registered nurses. AMN Healthcare float pool management benchmarks. American Hospital Association, 2026 Health Care Workforce Scan.