An employee who is eligible for an ICHRA but has not selected and completed enrollment does not have active individual insurance coverage through the program.
Before the applicable deadline, determine whether the employee:
Is still comparing plans
Needs licensed assistance
Intends to use another source of coverage
Has started an application
Plans to opt out of the ICHRA
Document the employee's status and any required election or opt-out information.
Correcting a plan selection
If an employee identifies an error or wants to change plans after submitting an application, contact Lirvion Support or the licensed broker supporting the account before submitting another application.
The correction process depends on the enrollment path, carrier, application status, enrollment deadline, and requested effective date.
Common issues include:
Incorrect personal information
Missing or incorrect dependents
Incorrect effective date
Incorrect plan selection
Missing carrier information
Do not submit a duplicate application unless directed to do so. Duplicate applications can delay processing and create conflicting coverage records.