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No, we’ll show you the full premium cost. If your employer reimburses HRA allowance, you’ll pay the full premium directly to the insurance carriers and then, after providing valid proof of coverage through our platform, you’ll receive a tax-free reimbursement from your employer. If your employer uses Take Command’s AutoPay payment solution, they will pay your full premium to the carrier then deduct any employee portion through payroll.

Your employer will reimburse you directly for your reimbursement claims. Each month, Take Command Health will deliver a reimbursement statement to your employer so they know exactly how much to reimburse you. Double-check with your employer on the timing and process of the tax-free reimbursement.

On the individual insurance exchange, many plans change from year to year, sometimes significantly, and we always encourage people to shop around to see what their full set of options are. In many cases, you may find that a better option is available due to the changing circumstances of the individual health insurance market.
 
If you know your current plan will be offered next year and want to stick with it, it should renew automatically with no action. But we’ll still need you to show an updated proof of coverage showing that this is your selection for 2025, so you can get reimbursed! Your premium amount may change a bit, so you’ll want to set up a new reimbursement for 2025, as well.

Note: If your premium is currently paid by Take Command’s AutoPay feature, you will need to re-select your plan for 2025 in the Take Command platform.

Yes, Medicare is a qualifying health insurance plan that can be reimbursed through both ICHRA and QSEHRA, though the requirements vary slightly.

With ICHRA, an employee must have Part A and B or Part C to qualify for participation. All parts of Medicare (Parts A, B, C & D), as well as Medigap coverage, are reimbursable for qualified employees and their dependents. Read this blog to learn more about ICHRA and Medicare.

In order to participate in a QSEHRA, you must have health insurance that qualifies as Minimum Essential Coverage. With Medicare, either Medicare part A (Hospital Insurance) or part C (Medicare Advantage) will qualify as MEC. As long as you have either Part A or C, then you can also claim reimbursement for all other parts of Medicare including Medigap coverage. For more about Medicare and QSEHRA, check out this blog post.

If you are eligible or about to become eligible for Medicare, Take Command has an official enrollment partner who can help you enroll in Medicare coverage that is reimbursable through your employer’s health reimbursement arrangement. Reach out to us to get started!

1.) Cancel your recurring premium claim. You need to cancel your old recurring premium claim so that you won't receive reimbursements for it anymore!

2.) Upload a new proof of coverage. If you purchased new health insurance coverage, you'll need to update the proof of coverage on Take Command's Platform.

3.) Upload a new recurring premium claim. If you purchased new health insurance coverage, you'll also need to update your premium claim for your new monthly premium amount.

4.) Inform your administrator/employer. If you cancelled your health insurance because you don't want to participate in the HRA, you should let your employer know so they can take you off of the roster.

Read this Help Article for more details→