February 2024
The Summary Benefits and Coverage (SBC) is a standardized document that health insurance issuers must provide for all private health plans they offer, including ACA marketplace plans. The SBC provides an overview of a health plan’s benefits, coverage, limitations, and exceptions (although not its premiums, as these can vary based on an enrollee’s income, age, and whether they use tobacco).
While the information contained in an SBC is only a summary and can change, the standardized format makes it easier for people to compare health plans. This resource provides an overview of the layout and key terms used in the Summary of Benefits and Coverage.