Employees who leave their employer may remain eligible for reimbursement for their final month of coverage if they satisfy their employer's ICHRA requirements, but future reimbursements end when HRA eligibility ends.
What happens to my reimbursements when I leave my job?
Your employer determines your HRA eligibility through your employment.
After your eligibility ends:
Future reimbursements stop.
You remain responsible for your health insurance premiums unless another arrangement is made.
Can I keep my health insurance?
Yes. Because ICHRA uses individual health insurance, you may generally keep your policy by paying premiums directly to your insurance carrier.
Take Command does not cancel your insurance policy.
Can I receive reimbursement for my final month?
If you remained eligible during the month and meet your employer's plan requirements, you may still qualify for reimbursement for that month's eligible expenses.
What should I do after leaving my employer?
Confirm your final reimbursement period with your employer.
Continue paying your insurance carrier if you wish to keep your policy.
Submit any remaining eligible reimbursement requests before applicable deadlines.
When does this article not apply?
This article does not apply to employees transferring to another employer-sponsored HRA without a break in eligibility.
Key takeaway
Leaving your employer ends future ICHRA participation, but it does not automatically cancel your individual health insurance.