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ICHRA & QSEHRA Employee: Switching to a New Health Insurance Plan

This article is for employees participating in an Individual Coverage HRA (ICHRA) or Qualified Small Employer HRA (QSEHRA) administered through Take Command who are enrolling in a new health insurance plan.

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Written by David Hung

When changing health insurance plans, coordinate your current plan's end date with your new plan's start date and update your information in the Take Command Member Portal.

How do I switch to a new health insurance plan?

Follow these steps:

  1. Confirm you're eligible to enroll in a new health insurance plan.

  2. Select your new health insurance plan.

  3. Coordinate your new coverage start date.

  4. Cancel your previous health insurance, if required.

  5. Update your health insurance information in the Member Portal.

  6. Upload proof of coverage for your new plan.

  7. Wait for your proof of coverage to be approved.


What documentation do I need?

Your proof of coverage should include:

  • Your name

  • Insurance carrier

  • Plan name

  • Coverage effective date

  • Monthly premium, if applicable

Additional documentation may be requested if your coverage cannot be verified.


What happens after I upload my new coverage?

Take Command reviews your proof of coverage.

After approval:

  • Your health insurance information is updated.

  • Future reimbursements are based on your new plan.


Can I switch plans at any time?

Most plan changes occur during:

  • Open Enrollment, or

  • A Special Enrollment Period if you're eligible.

If you're unsure whether you can change plans, contact your insurance carrier, Marketplace, or licensed insurance agent.


When does this article not apply?

This article explains how to switch to a new health insurance plan.

It does not explain how to cancel a plan without replacing it.


Key takeaway

When changing health insurance plans, coordinate your coverage dates, update your insurance information, and upload proof of coverage for your new plan to help ensure uninterrupted reimbursement eligibility.

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