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ICHRA & QSEHRA Employee: Updating or Canceling a Recurring Health Insurance Premium

This article is for employees participating in an Individual Coverage HRA (ICHRA) or Qualified Small Employer HRA (QSEHRA) administered through Take Command who already have a recurring premium reimbursement.

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Written by David Hung

If your health insurance changes, update or cancel your recurring premium reimbursement to ensure future reimbursements remain accurate.

When should I update my recurring premium?

Update your recurring premium if:

  • You change health insurance plans.

  • You change insurance carriers.

  • Your monthly premium changes.

  • Your coverage ends.

  • Your HRA eligibility changes.


How do I cancel my recurring premium?

  1. Sign in to your Member Portal.

  2. Open Reimbursements in the main Member Portal navigation menu.

  3. Under "Recurring Premiums," locate the recurring premium claim you wish to cancel.

  4. Click the three dots next to the claim and select "Cancel Recurring Expense."

  5. Confirm your last day of coverage.

  6. Save your changes.

Future recurring reimbursements will stop after the cancellation date. Note: This stops future reimbursement submissions only — it does not cancel your health insurance policy. To cancel your health insurance coverage, contact your insurance carrier directly.

A ticket will be created for a specialized team to update your portal and remove the recurring amount. You will be informed of progress via email. Canceling a recurring premium entry does not affect previously approved premiums.

What if I have a duplicate recurring premium claim?

If you notice a duplicate recurring premium claim in your account, follow these steps to cancel it:

  1. Log into your member portal and navigate to the Reimbursements section.

  2. Locate the duplicate recurring premium claim.

  3. Click the three dots next to the claim.

  4. Select Cancel Recurring Expense. This action stops reimbursements for the duplicate claim, ensuring only the correct, approved premium remains. If you need to upload accurate insurance documentation, use the Add Monthly Premium button in the same section.

What should I do if my recurring premium submission is declined?

If a recurring premium submission is declined, there is no need to delete it. Simply upload new, complete documents using the Add Monthly Premium button. Previously denied entries will not interfere with the review of newly uploaded documents. If a submission is flagged as a duplicate, confirm whether it is indeed a duplicate. If it is, leave it canceled. If it is not a duplicate and should be reimbursed, provide clarification and supporting documentation to update your account.


What if the cancel option is not visible?

If the cancel option does not appear next to your recurring premium in the Reimbursements section, this is a backend access issue that cannot be resolved through browser troubleshooting.

Contact Customer Experience — a representative can cancel the recurring premium on your behalf. Include the plan details and the date you want recurring submissions to stop.


How do I update my recurring premium?

  1. Cancel your existing recurring premium.

  2. Update your health insurance information.

  3. Upload updated proof of coverage using the Add Monthly Premium button.

  4. Submit the information for review.

  5. Create a new recurring premium after approval.


What if the Reimbursements section is not visible in my portal?

If the Reimbursements tab does not appear in your portal navigation, contact Customer Experience — this may indicate a portal access or account configuration issue.

What if duplicate plans appear in my account?

Sometimes, duplicate plans may appear in your account dashboard due to a visual display issue rather than an actual duplicate enrollment. In such cases:

  • Verify whether the duplicate submission has been canceled in the system.

  • If only one application or policy exists in the system, you will not be charged twice.


What happens if I don't update it?

If your recurring premium isn't updated:

  • Reimbursement amounts may be incorrect.

  • Reimbursements may be delayed.

  • Additional documentation may be required.


When does this article not apply?

This article applies only to recurring premium reimbursements.

It does not apply to one-time medical expenses.


Key takeaway

Whenever your insurance changes, cancel your old recurring premium and create a new one after your updated proof of coverage is approved.

  • Cancel duplicate recurring premium claims to avoid incorrect reimbursements.

  • Upload new documents for declined submissions without deleting the old ones.

  • Verify and clarify flagged duplicates as needed.

  • Rest assured that visual display issues do not result in double charges.

  • Duplicate uploads are automatically declined, requiring no additional action.

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