Effective 9/23/12 and after, insurers and employers have the shared responsibility to provide
all eligible employees a Summary of Benefits and Coverage (SBC).
A requirement of the Affordable Care Act, SBCs are intended to ensure benefit and coverage
information are provided in clear, easy to understand language ‐ and in a consistent format ‐ to
help employees make informed coverage decisions.
Insurers have prepared these documents. They are available electronically today. They must be
distributed to employees before plan renewal dates, prior to making plan changes and during
other specific decision making times. Or, upon request.