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.
Open the enrollment or coverage selection page.
Select Waive Coverage or Decline Coverage.
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.
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 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 — 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.