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ICHRA & QSEHRA Employee: Submitting a Recurring Health Insurance Premium

This article is for employees participating in an Individual Coverage HRA (ICHRA) or Qualified Small Employer HRA (QSEHRA) administered through Take Command whose employer reimburses health insurance premiums.

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Written by Mel Vazquez-Martinez

If you pay a monthly health insurance premium, you can submit it as a recurring premium reimbursement so you don't need to submit the same premium every month.

What is a recurring premium?

A recurring premium is a monthly reimbursement request for your health insurance premium.

Once approved, your premium is automatically submitted for reimbursement each month without requiring a new monthly submission.

Need to cancel a recurring premium? This is the most common action customers contact support about. Go to Reimbursements → find your active recurring premium → use the three-dot menu or Cancel option next to the entry. If there is no cancel option visible, see 'Canceling a recurring premium when the option is not visible' below.


When can I set up a recurring premium?

You can create a recurring premium after:

  • Your health insurance enrollment is complete.

  • Your proof of coverage has been approved.

  • Your employer's HRA reimburses health insurance premiums.


How do I submit a recurring premium?

  1. Sign in to your Take Command Member Portal.

  2. Open the Reimbursements section in the main Member Portal navigation menu.

  3. Select the option to add a recurring health insurance premium.

  4. Enter your monthly premium amount.

  5. Upload proof of coverage if requested.

  6. Submit your recurring premium for review.

    If the option to add a recurring premium is not visible in the Reimbursements section, or the button is greyed out, contact Customer Experience — this may indicate a portal access or eligibility configuration issue.

    If you need to update an existing recurring premium (for example, because your premium amount changed), cancel the existing entry and submit a new one after your updated proof of coverage is approved. If the cancel or edit option is not available, contact Customer Experience.


    Canceling a recurring premium when the option is not visible

    If you cannot find a Cancel or delete option next to your recurring premium entry:

    • The entry may be in a 'Pending' or 'Under Review' state — you cannot cancel entries that are currently being reviewed. Wait until the status updates, then try again.

    • If the entry was declined, it may still appear in your list without a cancel option. Contact Customer Experience — they can remove declined entries that cannot be deleted through the portal.

    • If the Reimbursements tab is missing entirely, contact Customer Experience — this is a backend account configuration issue.

    • If you see a three-dot menu (⋮) next to the entry, click it to reveal the Cancel option.



What happens after I submit?

Take Command reviews your proof of coverage and premium information.

Once approved:

  • Your recurring premium becomes active.

  • Monthly reimbursements are processed automatically while your insurance information remains current.


How do I cancel or update a recurring premium?

If your insurance coverage changes, your premium amount changes, or you need to stop recurring reimbursements:

  1. Sign in to your Take Command Member Portal.

  2. Open the Reimbursements section.

  3. Locate your active recurring premium entry.

  4. Select the option to cancel it.

  5. To set up a new recurring premium with updated information: wait until your updated proof of coverage is approved, then create a new recurring premium entry with the correct amount and dates.


    What if my premium amount changes mid-year?

    If your monthly premium amount changes (for example, after a plan renewal or carrier rate change):

    • Cancel your existing recurring premium entry.

    • Upload updated proof of coverage showing the new premium amount (a new billing statement or updated insurance card).

    • Wait for the updated proof of coverage to be approved.

    • Create a new recurring premium entry with the correct amount and updated start date.

    • Do not simply submit the new amount as a one-time expense — the recurring premium entry must be updated to reflect the current amount going forward.


    What happens at end of employment?

    When your employment ends:

    • Your HRA eligibility ends on your termination date.

    • Cancel your recurring premium entry in the portal — recurring reimbursements will not automatically stop if the entry remains active.

    • Expenses incurred after your HRA eligibility end date are not reimbursable, even if submitted during the runout window.

    • Canceling the recurring premium in Take Command does not cancel your health insurance policy — your coverage with the carrier remains active until you cancel it separately.


Canceling a recurring premium stops future reimbursements in Take Command. It does not cancel your health insurance policy — your coverage with the carrier remains active. Continue paying your premium directly to your carrier to maintain coverage.


What documentation may be required?

You may be asked to provide:

  • Proof of coverage

  • Premium invoice

  • Insurance carrier information

  • Coverage effective date


When does this article not apply?

This article applies only to recurring health insurance premiums.

One-time medical expenses must be submitted separately.


Key takeaway

Recurring premiums automate reimbursement for your monthly health insurance premium after your proof of coverage has been approved.

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