Your ICHRA proof of coverage is marked noncompliant when your submitted document does not show an eligible individual health insurance plan (or Medicare), or when required details like name, dates, or plan information are missing or outdated.
Why your ICHRA proof of coverage is marked noncompliant
1. Your plan is not eligible for ICHRA
ICHRA only allows specific types of coverage.
Your submission will be rejected if your plan is:
Spouse’s employer group health plan
Medicaid (in most cases)
TRICARE (non-Medicare qualifying cases)
COBRA coverage
Short-term health insurance
Indemnity or fixed-benefit plans
Sharing ministry plans
These are not considered eligible individual coverage under ICHRA rules.
2. Your plan is not ACA-compliant individual coverage
ICHRA requires:
Individual major medical (ACA-compliant) insurance OR
Medicare Part A and B or Part C OR
Other limited qualifying coverage types (e.g., student plans or catastrophic plans if eligible by age/exemption)
If your plan is not individual major medical coverage:
❌ It will be marked noncompliant
❌ You cannot receive tax-free reimbursements
3. Your document is missing required information
Your proof of coverage may be rejected if it does not clearly show:
Your full name as a covered individual
Insurance carrier and plan name
Effective coverage start date
Current active coverage status
Date of document (must be recent)
If any of these are missing, compliance cannot be verified.
4. Your document is outdated
ICHRA requires proof that reflects active current coverage.
Your submission will be rejected if:
The document is older than 30 days
The coverage period is not current
The plan year does not match your enrollment period
5. Your document includes disqualifying subsidy information
Your proof may be marked noncompliant if it shows:
Premium tax credits from the ACA Marketplace
Subsidized marketplace pricing that conflicts with ICHRA participation
Employees cannot receive premium tax credits and ICHRA reimbursements at the same time.
What you must submit instead
Acceptable proof of coverage includes:
You must provide documentation that clearly shows:
Your name
Carrier and plan name
Active individual health insurance coverage OR Medicare enrollment
Effective date (current and valid)
Document date within the last 30 days
Common accepted documents:
Insurance carrier monthly bill or statement
Marketplace (Healthcare.gov or state exchange) coverage summary
Insurance portal screenshot showing active coverage
Medicare A + B or Medicare Advantage letter
Enrollment confirmation letter from insurer
How to fix a noncompliant submission
Step 1: Review your rejection reason
Log in to HRA Hub
Go to your Health Insurance or Compliance section
Read the compliance note explaining the issue
Step 2: Confirm your coverage type
Verify your plan is:
Individual major medical OR Medicare
Confirm it is NOT:
A group plan
Short-term coverage
Medicaid-only coverage (unless specifically allowed case)
Step 3: Gather correct documentation
Download or screenshot a current insurance statement
Ensure it includes:
Your name
Plan name
Active status
Current date or billing cycle
Step 4: Resubmit in HRA Hub
Open the Health Insurance section
Select “Edit” or “Resubmit”
Upload corrected proof
Submit for compliance review
Step 5: Wait for verification
Compliance team reviews submission
Status updates to:
Active (compliant) OR
No Proof of Coverage (if still invalid)
Once compliant, reimbursements are enabled