Skip to main content

ICHRA: How to waive coverage in your Take Command portal

This article is for employees offered an Individual Coverage Health Reimbursement Arrangement (ICHRA) through Take Command who choose not to participate in the benefit.

Written by Support

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:

  1. Log in to your Take Command member portal

  2. Start or continue the onboarding or re-enrollment flow

  3. Navigate to the Reimbursement Amount or coverage selection step

  4. Select the option to waive coverage or Not interested in participating

  5. Complete the remaining prompts to finalize your decision

  6. 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.

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.

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.

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

Did this answer your question?