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ICHRA Employee: Understanding Current-Year vs Future-Year Coverage

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

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Written by David Hung

The Take Command portal may display future-year coverage options even while your current-year coverage remains active.

What is current-year coverage?

Current-year coverage refers to the health plan that is active today.

What is future-year coverage?

Future-year coverage refers to the health plan that will become effective at the start of the next plan year.

Why does the portal focus on future-year coverage?

During Open Enrollment, employees are selecting coverage for the upcoming plan year.

Key takeaway

Current-year coverage remains active until its end date, while future-year coverage selections prepare you for the next plan year.

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