To continue receiving HRA reimbursements each plan year, keep your health insurance active and upload updated proof of coverage after your plan renews.
Do I need to renew my health insurance every year?
Will Take Command remind me to renew?
Take Command does not send renewal reminders directly. Instead, your insurance provider is responsible for notifying you about your plan's renewal or cancellation options. Be proactive in checking for these notifications to avoid any lapse in coverage.
Yes. If your health insurance renews for a new plan year, you should:
Confirm your coverage is still active.
Review any changes to your plan or premium.
Upload updated proof of coverage to your Take Command Member Portal.
Renewing your health insurance helps maintain your eligibility for HRA reimbursements.
What if I keep the same plan?
Auto-renewal means your current health plan is automatically submitted for the new year, typically starting on January 1. While this process aims to ensure uninterrupted coverage, it does not guarantee that all necessary steps are completed. For example, your insurance carrier may still require updated information, such as your Social Security Number (SSN) or address, to finalize the renewal.
Even if your plan renews automatically, you should:
Confirm your coverage is active.
Review your premium and plan details.
Verify your preferred providers remain in network, if applicable.
Log into your Take Command Portal to verify your plan details, including the plan name, effective date (e.g., January 1), and status (e.g., Enrolled, Submitted, Pending, or Needs Action).
Obtain a Proof of Coverage document from your insurance carrier, such as a Letter of Enrollment, as it is the easiest option.
Upload the Proof of Coverage document to your Take Command account.
Address any prompts or banners in the portal requesting additional information, such as uploading proof of coverage or updating your premium amount.
AutoPay Users: If your company offers AutoPay through Take Command, you must re-select your plan in the portal to update banking details for the new year.
Self-Enroll Plans: Confirm directly with your insurance carrier that your plan is active and that the bank account details from your Take Command profile are set up for premium payments.
What if I renewed outside of Take Command?
You do not need to purchase or renew your insurance through Take Command.
If you renewed through:
A Health Insurance Marketplace
An insurance carrier
A licensed insurance agent
Another enrollment source
Simply upload your updated proof of coverage after your renewal is complete. Ensure that your proof of coverage includes:
Your full name
Carrier name
Plan name
Plan tier (e.g., Bronze, Silver, Gold)
Coverage start date (effective date)
Monthly premium amount If your plan does not auto-renew or you wish to switch plans, upload proof of coverage for your new plan in the Take Command portal to ensure reimbursement eligibility.
What happens if I don't upload updated proof of coverage?
If updated proof of coverage is required but not submitted:
Reimbursement eligibility may be delayed.
Additional documentation may be requested.
Reimbursements may not be approved until your coverage has been verified.
What does it mean if I get an email saying something is expiring?
If you receive an email stating that something is expiring, it may refer to your uploaded claim documentation rather than your insurance policy. Remember, your insurance coverage can only be canceled by you, the insured employee. Ensure you upload a new copy of the required documentation if prompted.
What if I waived coverage?
What if I receive an automated reminder email?
If you receive an automated reminder email about your health plan, no additional action is required unless your health plan details have changed. Update your information only if:
You enroll in a new health insurance plan, or
Your premium amount or coverage details change. In such cases, upload the updated Proof of Coverage document to your member portal to ensure your records are accurate.
If you waived health insurance for the current plan year, you're generally not eligible for HRA reimbursements until you obtain qualifying coverage and satisfy your employer's HRA requirements.
When does this article not apply?
This article explains how to maintain reimbursement eligibility after renewing your health insurance.
It does not explain how to connect an existing health insurance plan or Premium Tax Credit eligibility.
Key takeaway
To continue receiving HRA reimbursements, keep your health insurance active and upload updated proof of coverage each plan year, even if you renewed your plan outside of Take Command.