Autopay allows employers to fund employee health insurance premiums through Take Command, helping simplify premium payments, funding management, and reporting.
What is Autopay?
Autopay is a premium payment solution that allows employers to fund employee health insurance premiums through a dedicated disbursement account.
AutoPay is available for employers with three or more participating employees.
Once Autopay is set up:
Employers fund the Autopay account
Insurance carriers receive premium payments
Funding activity is tracked through Take Command
Employers can access reporting and funding details in the platform
How does Autopay work?
The Autopay process generally follows these steps:
The employer completes Autopay setup.
A funding source is connected.
Funds are transferred into the Autopay account.
Insurance carriers receive premium payments.
Funding activity and reporting are available in the Take Command portal.
The employer pays the full monthly premium upfront, the HRA allowance is applied to the premium, and any portion not covered by the employer's allowance is deducted from the employee's paycheck.
The insurance carrier pulls the premium each month using the banking details provided by the employer-funded setup.
How do employers fund Autopay?
Employers connect a funding account during setup.
Funds are transferred into the Autopay account to cover:
Employee premium payments
New enrollments
Premium adjustments
Other eligible Autopay transactions
Employers should ensure sufficient funds are available before scheduled funding events.
If AutoPay is not enabled, employees pay premiums upfront and submit proof of coverage for reimbursement. Proof must be submitted quarterly or annually, as determined by the employer.
How do enrollment methods affect premium payments?
Easy Enrollment
With Easy Enrollment, Take Command assists with:
Employers fund a subaccount that pays the full premium directly to the insurance carrier. Any portion of the premium not covered by the employer’s allowance is deducted from the employee’s paycheck. Employees generally do not need to make payments directly to the carrier.
Enrollment submission
Premium payment setup
Coverage documentation
Self Enrollment
With Self Enrollment, employees must make the first premium payment directly to the insurance carrier to activate the policy. After activation, employees must set up recurring payments with their carrier using the AutoPay banking details provided by Take Command. Employees should also provide the carrier with the AutoPay bank details associated with their employer-funded arrangement to ensure future premiums are processed correctly. If employees encounter issues, they should contact the insurance carrier to confirm that the correct banking details are on file and ensure that the policy is active.
How do I access Autopay reports?
Autopay reporting is available within the Take Command portal.
Reports may include:
Funding activity
Employee premium details
Funding amounts
Transaction history
Reports can be downloaded for payroll, accounting, and reconciliation purposes.
Employee contributions listed in payroll reports represent the funds drafted from the linked AutoPay account.
What information is included in funding reports?
Funding reports may include:
Employee information
Premium amounts
Funding transactions
Reporting period details
Available report fields may vary based on plan configuration and reporting needs.
Key takeaway
Autopay simplifies health insurance premium management by allowing employers to fund premium payments through Take Command while providing visibility into funding activity and reporting.