the employer connection

Summary of Benefits and Coverage (SBCs)

Summary of Benefits and Coverage documents (SBCs) were developed in accordance with the Affordable Care Act to establish standards that group health plan sponsors and insurers must use when offering group or individual health insurance. The SBC’s purpose is to accurately describe the benefits and coverage under the group plan.

Employers are required to comply with this mandate by distributing SBC documents. Please review this FAQ for detailed information on SBC distribution requirements


To download SBCs for your company, please select your group effective/renewal date from the dropdown menu.

Group effective/Renewal Date:





SBCs for Health Reimbursement Arrangements (HRA)

Summary of Benefits and Coverage documents (SBCs) are required for stand-alone HRAs that are not automatically integrated with health plans. Because HRAs are fully customizable by an employer, plan-specific SBCs for HRAs will be available following CBIA’s receipt of an employer-completed HRA Plan Setup form. In the interim, the “General SBC for Health Reimbursement Arrangements” is available here.