Employees who do not want to participate in their employer's HRA can waive their benefit through the Take Command Member Portal during enrollment.
How do I waive my HRA benefit?
To waive your HRA:
Sign in to your Take Command Member Portal.
If prompted, proceed through the onboarding steps. On step 2, select Waive to opt out of coverage.
If not redirected to onboarding, navigate to the 'Shop Insurance Plans' section under the health insurance tab and select Waive.
Review the information about waiving your benefit.
Provide a reason for waiving your HRA, if prompted.
Confirm and submit your waiver.
After submitting your waiver, your enrollment status will update once it has been processed. If your status has not updated within a few business days, contact Customer Experience.
When should I submit my waiver?
Submit your waiver as soon as you've decided not to participate.
Note: Waivers can only be submitted during an active enrollment window. If enrollment has already closed for your plan year, contact your employer — you may be able to waive at the next open enrollment or if you experience a qualifying life event.
If your employer has a monthly billing deadline, submitting your waiver by the 24th of the month helps ensure your participation status is updated before the next billing cycle.
Can I change my mind after waiving?
It depends. If enrollment is still open or you experience a qualifying life event, you may be able to enroll later based on your employer's plan rules and applicable enrollment requirements.
If you accidentally waived your benefit and want to reverse it, contact Customer Experience immediately — reversals cannot be completed through the portal and require manual intervention. Your employer may also need to be involved.
If you're unsure whether you can enroll after waiving, contact your employer.
What if I don't see the option to waive coverage?
If you can't find the waiver option:
Verify you're on the enrollment page.
Refresh the page.
Sign out and sign back in.
Confirm your employer has completed your HRA setup.
Contact Take Command Customer Experience if the option still isn't available.6. Alternatively, select 'Qualifying Life Event' in the portal. During the process, choose 'Waive Coverage' when prompted to upload proof of coverage.
If notification banners at the top of your screen are blocking buttons or navigation elements, dismiss or close the banner first, then attempt to access the waiver option again.
What if I can't access my Member Portal?
If you're unable to sign in:
Reset your password using Forgot Password.
Complete your account activation if you haven't already.
Contact Customer Experience if you still can't access your account.
What happens after I waive my HRA?
After your waiver is processed:
You won't participate in your employer's HRA for the current plan year.
You won't be eligible for HRA reimbursements unless you later become eligible to enroll.
Your employer will see your updated participation status in the Employer Portal.- Waiving coverage for a future year does not affect your current coverage. For example, if you are enrolled in employer coverage for December, your employer will pay or reimburse according to plan rules. If you waived or lost coverage before December, you are responsible for your own insurance for that month.
Waiving your HRA does not cancel any health insurance policy you may already have. To cancel your individual health insurance policy, contact your insurance carrier directly. Ensure this is done before waiving coverage or selecting a new plan — Take Command cannot cancel insurance coverage on your behalf.
If you are being billed after submitting your waiver, or your participation status does not reflect your waiver confirmation, contact Customer Experience with your waiver submission details.
When does this article not apply?
This article does not apply if:
Your employer has already terminated your HRA eligibility.
You're no longer eligible to participate in the HRA.
Your employer has closed enrollment and you don't have a qualifying life event.
Key takeaway
Employees who don't want to participate in their employer's HRA can waive their benefit through the Member Portal. Submit your waiver as early as possible to ensure your participation status is updated before your employer's next billing cycle.
Frequently asked questions about waivers
I accidentally waived — can it be reversed?
Contact Customer Experience immediately. Waiver reversals cannot be done through the portal and require manual processing by the Take Command team.
To expedite the reversal, include:
Your full name and employer name.
When the waiver was submitted (date and approximate time if known).
Whether you have a qualifying life event or are still within an active enrollment window.
A screenshot of the waived status in your portal.
Whether a reversal is possible depends on where you are in the enrollment window. Early in the plan year or during an open window, reversals are more likely to be approved. Contact CX as quickly as possible — the sooner you reach out, the more options are available.
My employer says I have a qualifying life event — can I waive and re-enroll?
If you waived at enrollment but later experience a qualifying life event (such as losing coverage through a spouse's employer), you may be able to re-enroll during a Special Enrollment Period. Contact Customer Experience with your qualifying life event and the date it occurred. They can confirm whether your specific situation qualifies and what documentation is needed.To initiate the QLE process, log in to the HRA Hub and start the QLE flow. During the process, choose to shop for insurance (not waive benefits). Complete the steps and wait for the reset request to be approved. Once approved, upload the new proof of coverage to enable reimbursement from the QLE start date.
Employer: can I mark an employee as waived from the Admin Portal?
No. Employers cannot set an employee's status to Waived from the Admin Portal. The employee must submit the waiver themselves through their Member Portal.
If an employee needs to waive and cannot access their portal, contact Customer Experience — they can process the waiver manually on the employee's behalf in some circumstances.### Admin: How can I waive my own employee coverage? Admins can waive their own employee coverage by following these steps:
Switch to Employee View: Use the menu under your name (top right) to switch from Admin to Employee view.
Start the Shopping Flow: Begin the process and select Waive Coverage for the applicable plan year.
Select a Waiver Reason: Choose a reason (e.g., 'Other') and confirm by selecting Waive My Coverage.
Return to Admin View: Switch back to Company (Admin) view when finished.
Will I be charged after my waiver is processed?
Billing is based on participation status at the time the monthly billing cycle closes. If your waiver was submitted and processed before the billing cutoff (typically the 24th of the month), it should not appear on the following month's invoice.
If you submitted a waiver but were still charged, contact Customer Experience with your waiver submission date and the invoice in question. Include 'Billing review request' in the subject line.
My waiver was submitted but my portal still shows 'Enrolled' — what should I do?
After submitting a waiver, portal status may take 1–2 business days to update. If the status has not changed after 2 business days:
Sign out and back in to refresh your portal view.
Contact Customer Experience with your name, employer name, and the date the waiver was submitted.
Do not submit the waiver a second time — duplicate submissions can slow processing.