Starting with plan years beginning on or after September 23, 2012, group health plans are required to issue a summary of benefits and coverage (SBC) to participants and beneficiaries covered under the plan. For plans that do not require annual enrollment, the SBC must be provided no later than 30 days prior to the first day of the new plan year. Therefore, calendar-year plans without open enrollment should issue their SBCs by Friday, November 30, 2012.