Health insurance enrollment is not active until you complete plan selection, pay your first premium directly to the insurance carrier, and have your coverage verified through proof of coverage in HRA Hub.
When is my health insurance considered active?
Your health insurance is only considered active after all of the following are completed:
You select a health insurance plan
Your application is submitted to the insurance carrier
You pay your first month’s premium (binder payment) directly to the carrier
Your insurance carrier confirms coverage is effective
Until all steps are complete, coverage is not active and reimbursements cannot begin.
Your portal says 'Approved' or 'Easy Enroll' — but your carrier has no record of you? The portal status means Take Command submitted your application, not that the carrier has confirmed it. Carrier processing typically takes 7–14 business days. See Step 2 below for what to do while waiting.
Step 1: How do I select and submit a plan?
Once you choose a plan in HRA Hub:
Complete your enrollment information
Select your desired health insurance plan
Submit the application through HRA Hub
Wait for confirmation that the carrier has received your application
Take Command submits your application to the carrier after selection.
Step 2: How do I pay my first premium?
To activate coverage, you must pay your first premium directly to your insurance carrier.
Log in to your insurance carrier’s website or portal
Locate your newly selected plan
Pay the first month’s premium (binder payment)
Save your payment confirmation or receipt
Your coverage will not begin until this payment is completed.
Can't find your plan on the carrier's website to make the first payment? If your plan was submitted via Easy Enroll, allow up to 7–14 business days for the carrier to add you to their system. During this window, call the carrier's new member line with your name, date of birth, and the plan name from your Take Command portal — they can locate your pending application and accept your first payment.
Step 3: How do I confirm my coverage is active?
Coverage is confirmed when:
The insurance carrier processes your application
Your first premium payment is received
You receive confirmation of active coverage from the carrier
You may also receive an insurance ID card or welcome packet once coverage begins.
Step 4: How do I submit proof of coverage in HRA Hub?
To become eligible for reimbursements:
Log in to HRA Hub
Go to Upload Proof of Coverage
Submit documentation showing:
Your name
Insurance carrier and plan name
Coverage start date
Proof the plan is active
Submit for review
Reimbursements cannot be processed until proof of coverage is approved.
What if my Take Command portal shows the upload button but it's locked or missing?
If the 'Upload Proof of Coverage' section is not visible or is locked in your portal:
Confirm your enrollment status shows as submitted or active — the upload option may only appear after your application has been transmitted to the carrier.
If you are in a 'Currently Shopping' state, complete or exit the shopping flow first.
If the Health Insurance tab is missing entirely, this is a backend eligibility configuration issue — contact Customer Experience with your name, employer name, and a screenshot.
Clearing your browser cache and trying in a different browser can resolve display issues, but will not fix backend account blocks.
How long after I submit proof of coverage will reimbursements start?
After your proof of coverage is approved:
You must set up a recurring premium entry in the Reimbursements section to start receiving monthly premium reimbursements — approval does not trigger this automatically.
Reimbursements are calculated retroactively to your HRA eligibility start date — you do not lose reimbursements for the time spent in the review process.
The first reimbursement cycle typically runs within the same month as approval, or the next month if approval fell after the reporting cutoff.
Employer payroll schedules determine the exact payment date — Take Command generates the reimbursement report, but your employer processes and issues payment.
What happens if I do not pay my first premium?
If the first premium is not paid:
Coverage will not activate
The insurance application may be canceled by the carrier
You will not be eligible for HRA reimbursements
You may need to restart the enrollment process
Payment must be made directly to the carrier, not through Take Command.
What happens if I miss an enrollment deadline?
If you miss Open Enrollment or your Special Enrollment window:
You may not be able to enroll in a plan immediately
You may need to wait until the next enrollment period
A qualifying life event may be required to enroll mid-year
Enrollment timing is determined by carrier and Marketplace rules.