QSEHRA plans renew annually, and employers must review their plan design, confirm any changes for the upcoming plan year, and provide employees with required annual notices before the new plan year begins.
When does a QSEHRA renew?
QSEHRA plans operate on a calendar-year basis.
This means:
The plan year typically runs from January 1 through December 31
Employers review their plan design each fall for the upcoming year
Employees receive updated plan information before the new plan year begins
The renewal process occurs even if no plan changes are needed
Each year provides an opportunity to keep the same design or make updates to your benefit.
Why is renewal completed before the new year?
Federal QSEHRA rules require employees to receive a notice about their benefit before the upcoming plan year begins. Take Command uses the renewal process to prepare the required employee communications and plan documents.
Early renewal also helps employees prepare for individual health insurance Open Enrollment.
What decisions should I review during renewal?
During renewal, consider whether your current plan still meets your organization's needs.
Common items employers review include:
Monthly allowance amounts
You may choose to:
Keep existing allowance amounts
Increase allowances
Decrease allowances
Continue offering the maximum allowable benefit
Adjust allowances by family status
Medical expense reimbursement
You can determine whether your plan will:
Reimburse insurance premiums only
Reimburse premiums and eligible medical expenses
Not all employers choose to reimburse medical expenses.
New hire waiting periods
You may choose to:
Keep your existing waiting period
Add a waiting period for new employees
Remove an existing waiting period
Adjust eligibility timing for future hires
Taxable reimbursement options
If your plan currently supports taxable reimbursements for employees covered under another employer's group plan, you may decide whether to continue or modify that feature.
What happens if I do not make any changes?
If your current QSEHRA is working well, you can generally keep the same plan design.
In most renewal cycles:
Existing plan settings carry forward
Employee eligibility rules remain unchanged
Allowance structures remain the same
Employees receive updated annual notices
A renewal does not require plan changes.
How do I complete my renewal?
To renew your QSEHRA:
Log in to your Take Command Admin Portal
Navigate to the renewal section when available
Review your current plan design
Confirm whether you want to keep or modify your settings
Submit your renewal selections
Review any generated employee notices or plan documents
Once submitted, Take Command will prepare the necessary documentation for the upcoming plan year.
What happens after I renew?
After renewal:
Employee notices are generated
Plan documents are updated as needed
Employees are informed of their upcoming benefit
The new plan year becomes effective on January 1
Employees can prepare for Open Enrollment and plan selection
No additional action is required unless your organization later decides to make plan changes.
What if I started my QSEHRA during the year?
QSEHRA plans still renew on a calendar-year schedule.
Even if your plan began mid-year:
The plan renews for January 1
Employees may review their health insurance choices during Open Enrollment
You should still complete the annual renewal process
Mid-year implementation does not change the annual renewal cycle.
Can I make changes after renewal?
Yes, in many cases.
However:
Changes may require updated employee notices
Additional compliance documentation may be needed
Last-minute changes can create delays for employee communications
Employers should complete updates as early as possible.
What if I do not want to continue offering a QSEHRA?
If you do not intend to continue the benefit:
Review your renewal options before the new plan year
Submit a non-renewal or cancellation request through the Admin Portal
Notify employees about the upcoming change in benefits
Download any reports needed for future reference
Take Command allows employers to end their subscription if they choose not to continue offering the benefit.
What does NOT change automatically during renewal?
Renewal does NOT automatically:
Increase employee allowances
Change eligibility rules
Add medical expense reimbursement
Modify waiting periods
Change employee classes or plan design
Any desired changes must be reviewed and selected during the renewal process.