If you chose a different health plan during Open Enrollment, your previous selection is replaced once the new plan is submitted and approved, and you must complete enrollment steps for the new plan to ensure coverage is active and eligible for reimbursement.
What happens when you choose a different plan
Your most recently submitted plan becomes your active selection
When you select a new health plan during Open Enrollment:
The new plan replaces any previously selected plan
Only the most recent completed enrollment is processed
The prior selection is automatically overridden
Your coverage status depends on successful completion of the new enrollment.
When your plan change becomes final
A plan change is not final until enrollment is completed and submitted
Your new plan becomes active only when:
You complete the shopping and selection process in HRA Hub
You submit your application to the insurance carrier
The carrier confirms and activates the policy
You upload proof of coverage (if required for HRA eligibility)
If any of these steps are incomplete:
❌ Your coverage may not be active
❌ Reimbursements may be delayed
❌ Your previous plan may still be considered active by default
What happens to your previous plan
Your old plan is not used once a new enrollment is completed
When a new plan is selected and successfully submitted:
The prior plan is no longer considered your active coverage
Any future reimbursements must align with the new plan
You are responsible for ensuring the old plan is canceled (if required by the carrier)
Some carriers may require you to:
Actively cancel your previous policy
Confirm termination dates directly with the insurer
What you should do after changing plans
Step 1: Confirm your new enrollment is complete
Log into HRA Hub and verify:
Plan selection is finalized
Application status shows submitted or enrolled
No pending steps remain in the onboarding flow
Step 2: Confirm carrier activation
Check with your insurance carrier to confirm:
Your new plan is active
Coverage start date is correct
You are listed correctly in their system
If the carrier cannot locate your plan:
Re-check submission details (name, DOB, plan ID)
Allow time for processing if recently submitted
Step 3: Cancel or confirm termination of your old plan (if needed)
If you previously had another policy:
Contact your prior insurer
Confirm cancellation or end date
Avoid double billing or overlapping coverage
Step 4: Upload proof of coverage in HRA Hub
To activate reimbursements:
Upload documentation showing your new active coverage
Ensure your name, carrier, and dates are visible
Submit through the employee portal for approval