Notice & DisclosureAnnual
Summary of Benefits and Coverage (SBC) & Uniform Glossary (Annual)
ACA § 2715; 29 CFR § 2590.715-2715
Standardized template describing benefits and coverage. Uniform glossary defines key terms. Note for ICHRA employers: the SBC requirement applies to the ICHRA arrangement itself, not the individual policies employees purchase.
ResponsibleMedical Carrier/TPA
Deliver ToPlans (from issuers); Participants; Beneficiaries
Legal timingWith open enrollment or application materials when employees must elect. If coverage renews automatically, no later than 30 days before the plan year starts.
Our target30 days before the plan year starts. That is the legal outside date when coverage renews automatically; with active elections, send it with the OE materials instead. This is our recommended timing, not a legal deadline for every plan. The legal timing is above.
Related Reading
Get Your Compliance Calendar →
Track this and 71 other federal requirements. Personalized to your plan.