If you enrolled in an individual health insurance plan through Take Command, you must contact your insurance carrier directly to cancel your policy. Take Command cannot cancel health insurance on your behalf.
Can Take Command cancel my health insurance plan?
No. Take Command helps you enroll in individual health insurance but is not the policyholder.
Only you, as the policyholder, can request cancellation directly from your insurance carrier.
Canceling your health insurance policy with your carrier is separate from canceling your Take Command service subscription. These are two independent steps — completing one does not complete the other. If you also need to cancel your Take Command subscription, contact Customer Experience separately.
Want to cancel your Take Command subscription (not your health insurance)? Canceling your health insurance policy with your carrier and canceling your Take Command service account are two completely separate steps. Completing one does not complete the other. To cancel your Take Command employer subscription, contact Customer Experience directly — they handle account offboarding and can confirm what happens to your employees' records and reimbursements during the wind-down period.
Employer trying to cancel on behalf of an employee? Employers can terminate an employee's HRA eligibility in the Admin Portal, but cannot cancel the employee's individual insurance policy with the carrier — only the policyholder (the employee) can do that. If you need to fully terminate the Take Command subscription or offboard the account, contact Customer Experience separately.
If your carrier directs you to Take Command to process your cancellation, contact Take Command Customer Experience — they can help facilitate carrier communication and may be able to assist depending on your plan type.
How do I cancel my health insurance plan?
To cancel your policy:
Contact your insurance carrier directly.
Request cancellation of your health insurance policy.
Confirm the effective cancellation date.
Request written confirmation of the cancellation for your records.
Cancellation policies and deadlines vary by insurance carrier.
Enrolling in new coverage does not automatically cancel your existing plan. If you are switching to a new health insurance policy, you must contact your current carrier separately to cancel your old coverage. Failing to cancel may result in duplicate premium Canceling a plan may also affect features like carrier premium prepayment (CCP), which pays your premium upfront. Avoid canceling unless necessary to prevent disruptions.s.
What if I can't find the cancellation option in the portal?
If the option to cancel, waive, or edit your coverage is missing, greyed out, or not visible in your Member Portal:
The Cancel or Waive button may not appear until your coverage effective date has passed.
The field may be locked because your enrollment record is in a state that requires admin intervention.
Your account may not have the correct role or permissions to access this option.
Contact Customer Experience with your full name, company name, and a screenshot of what you see. They can unlock the field or process the update manually.
What if my coverage has not started yet?
If your policy's effective date has not yet occurred:
Contact your insurance carrier as soon as possible.
Ask whether the policy can be canceled before coverage begins.
Follow the carrier's cancellation instructions.
Available cancellation options depend on the carrier and the timing of your request.
Do I need to notify Take Command?
Yes. If you cancel your health insurance:
Sign in to your Take Command Member Portal.
Update your health insurance information, if applicable.
Upload any requested documentation for new coverage.
Notify Take Command to reset your account, enabling you to shop for a new plan if needed. You can notify Take Command via the Member Portal or chat to ensure your records are updated.
Keeping your insurance information current helps ensure your HRA eligibility is accurate.
If you have a recurring premium reimbursement set up in your Member Portal, also cancel it in the Reimbursements section after your insurance is canceled — otherwise reimbursement submissions will continue for coverage you no longer have.
After your carrier processes the cancellation, the Take Command portal may continue to show your coverage as active for several business days while carrier data syncs. If your coverage still appears active after several days, contact Customer Experience to confirm the cancellation has been reflected on your account. For Ambetter users, the portal may reflect reimbursement plan availability within Take Command rather than the real-time status of your insurance policy. Confirm cancellation directly with Ambetter to ensure your policy is no longer active.
If the portal does not show an option to update your coverage or cancel a recurring premium, contact Customer Experience for assistance.
If you were charged after your cancellation effective date, contact Customer Experience with your cancellation confirmation and the charge details. They can investigate whether a refund is applicable and advise on next steps.
For premiums paid before your cancellation effective date, refund eligibility is determined by your insurance carrier — most carriers do not refund premiums for coverage periods already in effect. If you believe you are owed a refund for pre-cancellation charges, contact your carrier directly to ask about their refund policy.
My carrier is directing me to Take Command to process the cancellation. What should I do?
Some carriers direct plan members to Take Command for cancellation in certain circumstances — particularly for plans enrolled through the marketplace or an HRA hub. If your carrier tells you to contact Take Command to cancel, contact Customer Experience directly and explain that your carrier referred you. They can facilitate carrier communication and advise on next steps based on your plan type.
Carrier-Specific Instructions
Oscar
Contact Oscar’s member services for Individual/Family plans to request cancellation.
After cancellation, notify Take Command to update your account.
Ambetter
If there’s a mismatch between your Take Command portal and Ambetter’s records, verify your enrollment directly with Ambetter.
The portal may still show active coverage even after cancellation. Confirm the cancellation date with Ambetter to ensure your policy is no longer active.
What if my recurring premium reimbursement continues after I cancel my plan?
After canceling your health insurance with your carrier, you must also cancel your recurring premium reimbursement claim in your Take Command Member Portal — otherwise reimbursement submissions will continue for coverage you no longer have.
In your Member Portal, go to the Reimbursements section.
Locate your recurring premium claim.
Select the option to cancel or stop the recurring submission.
If the cancel option is not visible or the Reimbursements section is missing, contact Customer Experience — they can stop the recurring reimbursement on your behalf.
My carrier referred me to Take Command to process the cancellation. What does that mean for my QLE or special enrollment period?
In some cases — particularly for plans enrolled through an HRA hub or marketplace — canceling your health insurance may be tied to a qualifying life event (QLE) that opens a Special Enrollment Period for new coverage. If your carrier directed you to Take Command to handle any part of the cancellation, or if you need to confirm whether your cancellation creates a QLE for new enrollment, contact Customer Experience directly. Do not cancel your plan mid-year without confirming the coverage and QLE implications first — voluntarily canceling coverage generally does not create a Special Enrollment Period on its own. If your state does not offer an Extended Open Enrollment period, you may need to remain with your current plan unless you qualify for a change via a Qualifying Life Event.
I need to cancel an employee's HRA eligibility but they have complex roster status. What should I do?
If you are an employer terminating an employee's HRA eligibility and the employee has outstanding proof of coverage, incomplete onboarding, or status that shows as 'ineligible' or 'no proof of coverage' in your roster, contact Customer Experience before processing the termination. They can:
Confirm the correct roster status to set for the employee.
Advise on whether outstanding claims will still be processed after termination.
Ensure the employee's record is correctly marked to prevent future reimbursements.
I enrolled in new coverage. Does my old plan cancel automatically?
No. Enrolling in a new health insurance plan does not automatically cancel your existing policy. You must contact your current carrier separately to cancel your old coverage. Failing to do so may result in duplicate premium charges for both plans. This applies even if the new plan is with the same carrier.
How does canceling my health insurance affect my HRA?
Eligibility for ICHRA or QSEHRA reimbursements generally requires qualifying health insurance coverage.
If you cancel your health insurance and do not obtain other qualifying coverage, you may no longer be eligible to receive HRA reimbursements.
Who should I contact?
Contact your insurance carrier if you need to:
Cancel your health insurance policy.
Ask about cancellation deadlines.
Confirm your policy's cancellation date.
Contact Take Command Customer Experience if you have questions about:
Updating your account.
HRA reimbursement eligibility.
Proof of coverage requirements.
Your Member Portal.
Canceling a recurring premium reimbursement linked to your canceled plan.
Portal navigation issues or missing cancellation options.
When does this article not apply?
This article explains how to cancel a health insurance policy that you enrolled in through Take Command.
It does not explain:
How to switch to a new health insurance plan.
How to terminate your employment or HRA participation. For information on waiving your HRA, refer to the section on "Opting Out of Employer Reimbursement Benefits."
Key takeaway
Take Command cannot cancel your health insurance policy. To cancel coverage, contact your insurance carrier directly. After your policy is canceled, update your insurance information in your Take Command Member Portal so your HRA eligibility can be reviewed. If you decide not to enroll in a new plan, actively waive coverage in the portal to ensure accurate records.