You can waive QSEHRA coverage during onboarding or re-enrollment by selecting the option to skip or decline reimbursement setup, which removes you from receiving QSEHRA premium reimbursements for that plan year.
What does it mean to waive QSEHRA coverage?
Waiving QSEHRA coverage means:
You choose not to participate in the QSEHRA benefit
You will not receive premium or medical expense reimbursements
Your employer will not include you in monthly reimbursement reports
You are treated as not enrolled in the HRA for the plan year
You can still maintain your own health insurance coverage outside of the QSEHRA.
When can I waive QSEHRA coverage?
You can waive coverage:
During initial onboarding
During annual re-enrollment
When your employer first offers the QSEHRA
When you are prompted to confirm your reimbursement election for the plan year
Waiving is only available during designated enrollment flows.
How do I waive QSEHRA coverage?
To waive coverage during enrollment or re-enrollment:
Log in to your Take Command employee onboarding or re-enrollment flow
Proceed to the Reimbursement Amount or coverage election step
Select the option to Skip, Decline, or Waive coverage for this year
Confirm your selection when prompted
Submit and complete the enrollment process
Once completed, you will not be enrolled in QSEHRA reimbursements for that plan year.
What happens after I waive coverage?
After you waive QSEHRA coverage:
You will not receive monthly allowance contributions
You cannot submit reimbursement claims under the QSEHRA
You will not appear on reimbursement reports for active participation
Your employer will treat you as opted out for that benefit year
Waiver applies only to the current plan year unless you re-enroll later.
Can I still get health insurance if I waive QSEHRA?
Yes.
Waiving QSEHRA does not affect your ability to:
Enroll in individual Marketplace plans
Keep existing health insurance coverage
Use a spouse’s employer-sponsored plan
Purchase private individual coverage
However, you will not receive QSEHRA reimbursements for any plan.
Important tax consideration if you waive coverage
If you waive QSEHRA coverage:
You are no longer receiving an employer health benefit
You may choose to claim the Premium Tax Credit (PTC) for Marketplace coverage if eligible
You cannot receive both QSEHRA reimbursements and PTC for the same coverage period
If you previously had QSEHRA and received affordability determinations, changing elections may affect tax eligibility.
What does NOT happen when you waive coverage?
Waiving QSEHRA does NOT:
Cancel your health insurance plan
Notify your insurance carrier
Affect your eligibility for other employer benefits
Automatically remove you from coverage you already purchased
You must manage your insurance separately from your QSEHRA election.