You can waive ICHRA coverage by logging into your Take Command member portal and selecting the option to decline or “not participate” during onboarding or re-enrollment, and your waiver must be completed before the monthly cutoff date to avoid being enrolled for the next billing cycle.
How do I waive coverage through ICHRA?
You can waive coverage directly in your Take Command member portal during onboarding or re-enrollment.
Follow these steps:
Log in to your Take Command member portal
Start or continue the onboarding or re-enrollment flow
Navigate to the Reimbursement Amount or coverage selection step
Select the option to waive coverage or Not interested in participating
Complete the remaining prompts to finalize your decision
Submit your waiver before the monthly cutoff date.
If onboarding is not automatically shown, you may access the waiver option through the Health Insurance or plan selection section. If you cannot locate the waiver form, request the direct link from customer support for assistance.
When should I submit my waiver?
You should submit your waiver before the monthly cutoff date, typically the 24th of the month, to ensure:
You are not enrolled for the next billing cycle
Your employer is not charged for your participation
Your coverage status is updated correctly
Late submissions may result in temporary enrollment or delayed processing. Waivers are effective from the date of submission and cannot be backdated.
What happens after I waive ICHRA coverage?
If you waive participation:
You will not receive ICHRA reimbursements
Your employer will not allocate a monthly allowance to you
You are not required to purchase individual health insurance through the ICHRA
Your waiver remains in effect for the plan year unless you re-enroll
You may still be eligible to enroll later if you experience a qualifying life event or re-enrollment period. For new hires in a waiting period, waiving coverage means declining it for the remainder of the plan year. Re-enrollment is possible during the next open enrollment period.
Can I join the ICHRA after waiving it?
Yes. If your situation changes, you can rejoin the ICHRA if:
You experience a qualifying life event (such as loss of coverage or change in employment status), or
Your employer allows re-enrollment during a plan update period
You may be required to submit new coverage documentation before reimbursements begin.
What happens to my Marketplace subsidies if I waive ICHRA?
It depends on affordability:
If your ICHRA is affordable → you are not eligible for Premium Tax Credits even if you waive coverage
If your ICHRA is unaffordable → you may be eligible for Premium Tax Credits if you do not participate
You must report your employer’s ICHRA offer to the Marketplace when applying for subsidies.
Do I need health insurance if I waive ICHRA?
No. However:
You will not receive employer reimbursement for health coverage or medical expenses
You are responsible for your own insurance decisions and costs
You may still choose individual coverage, spouse coverage, COBRA, or other options
Waiving ICHRA means opting out of employer-funded reimbursement support.
What should I do if I have technical issues?
If you cannot complete the waiver:
Try logging out and back into your member portal
Ensure you are using the correct onboarding or re-enrollment flow
Capture screenshots of any errors
Contact Take Command support for assistance
Scenarios Requiring Waivers
Mid-Year Waivers: Employees can waive coverage mid-year, but the waiver status is effective only from the date of submission.
New Hire Waiting Period: Employees eligible after a waiting period who waive coverage are declining it for the remainder of the plan year. They can re-enroll during the next open enrollment.
Ex-Employees: While optional, ex-employees can complete a waiver to formally remove themselves from the system and avoid future charges.
Ineligible Employees: Do not use the waiver form for employees who are not yet eligible. Keep them off the eligible roster to avoid billing. Once eligible, they can enroll and may receive retroactive reimbursement if they had insurance during the eligibility period.
Confirming Waiver Processing
After submitting the waiver form, the Take Command team will review the request and notify you once the process is complete.
How Administrators Can Submit Waivers for Employees
Administrators can submit waivers for employees who are unable to complete them on their own. This guide outlines the process for submitting waivers, including bulk submissions, compliance requirements, and special cases such as HRA coverage.
Individual Waiver Submission
Open the online waiver form.
Enter the employee's information directly into the form.
Attest that the required notices were provided to the employee.
Specify the reason for the waiver.
Retain a signed record confirming the employee's decision to waive coverage.
Submit the form by the 24th of the month to avoid billing the employee on the next invoice.
Bulk Waiver Submission
Open the online waiver form and download the spreadsheet template linked at the bottom.
Fill out the template with the required information for each employee.
Save the completed spreadsheet.
Upload the file through the waiver form by selecting "Choose File."
Attest that proper notices were provided to all employees listed.
Specify the reason for each waiver.
Retain signed records for compliance.
Submit the form by the 24th of the month to ensure timely processing.
Compliance Requirements and Deadlines
Notices: Administrators must provide employees with required notices before submitting waivers.
Records: Retain signed records confirming that each employee voluntarily waived coverage.
Deadlines: Submit completed forms by the 24th of the month to avoid billing issues on the next invoice.
Completeness: Ensure all required fields and attestations are completed to avoid delays in processing.
Special Cases and Exceptions
HRA Coverage Waivers
Administrators cannot submit bulk waivers for HRA coverage. Employees must log into their personal Take Command accounts to waive participation in the HRA program. This ensures employees are informed and consent to waiving their benefits. Neither administrators nor Take Command can waive HRA coverage on behalf of employees.
Employees Without Email Addresses
For employees who have signed waivers but do not have email addresses, mark them as not participating to ensure they are not billed or listed as participating on your roster. Retain the signed waiver forms for your records; uploading them is not required but may be useful for future reference.