During Open Enrollment, you can keep your current health insurance plan, switch to a different plan, or cancel coverage without needing a qualifying life event, but you are responsible for canceling your existing plan directly with your insurance carrier or Marketplace if required.
What can I do during Open Enrollment?
Open Enrollment allows you to:
Keep your current health insurance plan
Renew your existing coverage
Switch to a different health insurance plan
Cancel your current coverage
Enroll in a new health insurance plan
You do not need a qualifying life event to make these changes during Open Enrollment.
How do I change to a different health insurance plan?
If you want to switch plans during Open Enrollment:
Review and compare available plans.
Select and enroll in your new plan before the Open Enrollment deadline.
Confirm the effective date of your new coverage.
Verify whether your current plan will automatically terminate.
If necessary, contact your current carrier to cancel the old plan.
Save confirmation documents for both plans.
Do not assume that enrolling in a new plan automatically cancels your old plan. Some carriers require a separate cancellation request.
How do I cancel my current health insurance plan?
To cancel an existing plan:
If you enrolled through HealthCare.gov or a state Marketplace
Log in to your Marketplace account.
Locate your current coverage.
Submit a cancellation request.
Save the cancellation confirmation.
If you purchased coverage directly from an insurance carrier
Contact the insurance carrier directly.
Request cancellation of the policy.
Confirm the coverage end date.
Request written confirmation.
Only the policyholder or Marketplace can cancel an individual health insurance policy. Take Command cannot cancel coverage on your behalf.
What should I do after changing plans?
If you receive benefits through Take Command:
Upload proof of coverage for your new plan.
Update any recurring premium reimbursement claims.
Cancel recurring premium claims associated with your old plan.
Verify that your new coverage information is reflected in your account.
These steps help prevent reimbursement delays and ensure compliance with your HRA.
What if I am keeping the same plan?
If you intend to stay on your current plan:
Verify whether your carrier requires renewal action.
Complete any renewal requirements before the deadline.
Upload updated coverage documentation if requested.
Confirm your premium amount for the new plan year.
Some plans renew automatically, but others require action from the member.
What happens if I do not properly cancel my old plan?
Failure to cancel your old plan may result in:
Duplicate coverage
Multiple premium charges
Continued carrier billing
Reimbursement issues
Confusion regarding active coverage
Always obtain and keep cancellation confirmation from your carrier or Marketplace.
What if I miss Open Enrollment?
If Open Enrollment ends before you make changes:
You generally cannot change plans until the next Open Enrollment period.
You may qualify for a Special Enrollment Period if you experience a qualifying life event.
Examples include marriage, birth, adoption, loss of coverage, or a qualifying move.
What does NOT happen automatically?
The following do not automatically occur when you enroll in a new plan:
Your old plan may not automatically cancel.
Take Command does not cancel insurance plans.
Insurance carriers do not automatically update your HRA account.
Recurring premium reimbursement claims are not automatically updated.
You must complete these actions separately.