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ICHRA Employee: Why Do I Only See Next Year's Plans?

This article is for employees enrolled in an ICHRA through Take Command.

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Written by David Hung

During Open Enrollment, the Take Command portal displays plans for the upcoming plan year rather than the current plan year.

Why am I seeing next year's plans?

The portal is designed to help employees select coverage for the upcoming plan year during Open Enrollment.

For example, during Open Enrollment for 2027 coverage, the portal may display 2027 plans even if your current coverage remains active.

Can I shop for the current plan year?

Current-year shopping is generally only available if you qualify for a Special Enrollment Period (SEP).

Without an SEP, employees must wait until the next enrollment opportunity.

Key takeaway

Seeing future-year plans during Open Enrollment is expected and helps employees prepare for upcoming coverage.

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