If you don't want to participate in your employer's Individual Coverage HRA (ICHRA), you can waive your HRA benefit during onboarding or annual renewal through your Take Command Member Portal.
What does it mean to waive my ICHRA?
Waiving your ICHRA means you've chosen not to participate in your employer's HRA for the current plan year.
If you waive your ICHRA:
You won't receive HRA reimbursements.
Your employer won't reimburse eligible health insurance premiums or medical expenses through the HRA.
Your waiver remains in effect for the current plan year unless you're later permitted to enroll.
How do I waive my ICHRA?
To waive your HRA benefit:
Sign in to your Take Command Member Portal.
Begin your onboarding or annual renewal.
Navigate to the HRA election step.
Select the option to waive or decline your ICHRA.
Review the confirmation message.
Confirm your decision.
You may also be asked to indicate why you're choosing to waive your benefit.
Why might I choose to waive my ICHRA?
Employees may decide to waive their ICHRA if they:
Don't plan to enroll in individual health insurance.
Have health coverage that isn't eligible for ICHRA participation.
Don't want to participate in their employer's HRA.
What happens after I waive my ICHRA?
After your waiver is confirmed:
You won't receive HRA reimbursements.
Your ICHRA participation ends for the current plan year unless you're later eligible to enroll.
When does this article not apply?
This article explains how to waive your ICHRA benefit.
It does not explain Premium Tax Credits, Medicaid eligibility, or how to rejoin your HRA later.
Key takeaway
You can waive your employer's ICHRA during onboarding or annual renewal through your Member Portal. While your waiver is active, you won't receive HRA reimbursements.