To cancel your health insurance policy, you must contact your insurance carrier or Marketplace directly, because Take Command cannot cancel your policy on your behalf. Once the cancellation is confirmed, you should update your coverage end date in your Take Command portal so your HRA reimbursements remain accurate and compliant.
How do I cancel my health insurance policy?
You must cancel your health insurance directly with your insurance company or Marketplace.
Follow these steps:
Contact your insurance carrier (e.g., Anthem, Blue Cross, or other insurer) or log into your Marketplace account if you enrolled through HealthCare.gov
Request cancellation of your policy and confirm the effective end date
Ask for written confirmation of cancellation
Save the confirmation for your records
Take Command cannot terminate or modify your insurance policy directly.
Canceling your health insurance policy with your carrier is separate from canceling your Take Command service subscription — these are two independent steps. Completing one does not complete the other. If you also need to cancel your Take Command subscription, contact Customer Experience separately.
When should I cancel my health insurance?
You should cancel your plan when:
You are switching to a new health insurance plan
You are moving to employer-sponsored coverage
You are no longer eligible for your current plan
You are making changes during Open Enrollment or a Special Enrollment Period
To avoid gaps or overlapping coverage, ensure your new coverage start date aligns with your old plan’s end date.
What happens after I cancel my insurance?
After cancellation:
Your insurance carrier will stop future coverage as of the selected end date
You may still receive bills or confirmations for the final coverage period
Claims are still processed for services that occurred while your policy was active
You should not assume cancellation is complete until you receive confirmation
What do I need to do in my Take Command account?
Once your policy is canceled, you must update your coverage information:
Log in to your Take Command member portal
Upload proof of coverage termination (if requested)
Update your new coverage start date if you enrolled in a new plan
Ensure your HRA eligibility reflects your current insurance status
This ensures reimbursements are processed correctly and remain compliant.
If you had a recurring premium reimbursement set up in your Member Portal, also cancel it in the Reimbursements section to stop future reimbursement submissions for the canceled plan.
If the portal does not show an option to update your health insurance information or cancel a recurring premium, contact Customer Experience for assistance.
What happens to my HRA if I cancel my insurance?
Your HRA eligibility depends on having qualifying coverage:
If you cancel your only qualifying health insurance → your HRA reimbursements will pause
If you switch to another qualifying plan → you may resume reimbursement after verification
If coverage dates are not updated → reimbursements may be delayed or denied
You must always maintain active, qualifying coverage to use your HRA.
Can Take Command cancel my health insurance for me?
No. Only you or your insurance carrier/Marketplace can cancel your policy.
Take Command can:
Help you understand requirements
Update your HRA records after cancellation
Process reimbursements based on your active coverage
But we cannot terminate insurance policies directly.
What if I’m switching plans?
If you are switching insurance:
Enroll in your new plan first (if possible)
Cancel your old plan directly with your carrier or Marketplace
Confirm start and end dates do not overlap or leave a gap
Update your new coverage in Take Command
Always ensure there is no gap in coverage unless intentionally planned.
After canceling your insurance: what to update in Take Command
Once your carrier confirms the cancellation, you must also update your Take Command account:
Sign in to your Member Portal and update your health insurance coverage end date.
Cancel any recurring premium reimbursement in the Reimbursements section — reimbursements will continue until canceled even if your coverage has ended.
If you enrolled in a new qualifying plan, upload new proof of coverage so your HRA eligibility can be resumed.
If you cannot find the option to update your coverage or cancel a recurring premium in the portal, contact Customer Experience.
Voluntarily canceling your insurance does NOT create a Special Enrollment Period
Choosing to cancel your health insurance voluntarily does not qualify as a qualifying life event (QLE) under ACA rules. You cannot use a self-initiated cancellation to open a Special Enrollment Period on the marketplace.
If your coverage ends for an involuntary reason — such as losing job-based insurance, a carrier canceling your plan, or losing Medicaid eligibility — this may qualify as a QLE. Contact Customer Experience if you are unsure whether your situation qualifies before canceling.
My carrier says I need to contact Take Command to process the cancellation — what does this mean?
Some carriers route cancellation requests through Take Command for plans enrolled via an HRA hub or marketplace broker arrangement. If your carrier tells you to contact Take Command to cancel, contact Customer Experience directly. Explain that your carrier referred you and provide your plan name and carrier. They can coordinate with the carrier and advise on the correct cancellation process for your plan type.