Summary of Benefits and Coverage

Under the Affordable Care Act, health insurers and self-funded employers must provide a uniform Summary of Benefits and Coverage (SBC) to people who apply for and enroll in health policies.

Insurance companies and group health coverage must provide you with:

• A short, plain-language Summary of Benefits and Coverage (SBC)
• A Uniform Glossary of terms used in health coverage and medical care

This information allows you to make “apples-to-apples” comparisons when you’re looking at different coverage.

All individual and group health policies must use the same standard form to help you compare policies. The SBC also includes coverage examples that show what the policy would cover in common medical situations such as diabetes care and childbirth.

The SBC is available for every policy in the Health Insurance Marketplace. You’ll find a link to it on each policy page when you enroll. You can also ask for a copy from your insurance company or group health administrator at any time - especially when you apply for or renew your policy.