Open enrollment: next year's plan documents are out now

Share your plan documents

What is health insurance through work going to cost next year? Help us find out by sharing the documents your plan gives everyone.

PDF, Word (.docx) or text files. Up to 10 files and 60MB at a time, 20MB each. Have more? Send them in another upload.
or drop the files here

What helps most, from a plan through work:

This year's and next year's versions help most: matched years show what changed. These plan-wide documents usually don't include personal details. Please don't send paystubs, medical records or your own enrollment confirmation.

Other kinds of plans: what to send
  • Marketplace or individual plans: the Summary of Benefits and Coverage, and what you pay each month.
  • Medicare Advantage: the Evidence of Coverage and the Annual Notice of Change.
  • Medicaid or CHIP: the member handbook.

No documents yet? Ask your plan with our letter, or get a reminder in 30 days.

About the plan (optional)
The year these documents are for. Past years help us show how plans change over time. Sharing more than one year? You can leave this blank.
If you know it. This helps us show what plans cost over time.
We keep only a scrambled form of it, so we can find what you shared if you ask us to delete it. What we've learned about the plan, like what it costs, stays, because it describes the plan, not you. We can't use it to write to you.

We keep what you share, including what you tell us about the plan, and use it with other people's documents to publish what we learn about plans. Our team and AI models, including outside services, read your files. We keep everything as long as we can.

More about how we use what you share
  • We store what you share encrypted, files and links alike.
  • Our team opens links by hand. We never fetch them automatically.
  • Please leave out your name, member ID and health information, unless you want to include them.
  • We do our best to remove personal details from anything we publish.
  • If you gave us your email, you can ask us to delete your data. We do our best to delete the files and links you shared. What we've learned about the plan stays, because it describes the plan, not you.
Our privacy policy and terms of service also apply.

What the numbers can't show yet

Why we're asking

47.5% of people have coverage only through a job

Census Bureau survey, 2026

None of Denial Watch's denial rates cover plans through work

Plan documents won't show denial rates, but they show the rules behind denials.

Once enough people share, we'll publish what we learn, combined across plans, never your documents themselves.

More about why we're asking

We started with public records. Denial Watch shows how often marketplace plans deny claims and how often plans deny requests for approval. Where people get coverage shows that nearly half of people have coverage only through a job, and Denial Watch has no denial rates for those plans. Plan documents won't show how often a plan denies care either, but they show the rules behind its denials: what needs approval first and what's left out.

With plan documents we can show what plans cost for one person and for a family, what common care costs, how deductibles and out-of-pocket limits change each year, what plans leave out, and what needs approval first.

What we publish describes the plans people share with us: what people are offered, not which plans they chose or every plan in the country. Each finding says how many plans it comes from.

Once a year we ask everyone to request their plan documents and share them with us. You can share anytime.

No documents yet?

How to get your full plan documents

You can ask your plan for its full documents, not just a summary.

Plans through a private employer

Most job-based plans at private companies follow a federal law called ERISA. Plans from government employers and most churches don't.

  • You can ask in writing for the plan's key documents: the Summary Plan Description, the full plan document, the insurance policy if the plan is insured, the latest annual report (Form 5500), and any changes made since the Summary Plan Description.
  • A covered spouse or child can ask too, and some former employees can as well.
  • Send your request to the plan administrator. Their name and address are in your Summary Plan Description. It may be your employer rather than the insurance company on your card. No Summary Plan Description? Search for your plan's Form 5500 on the Department of Labor's free Form 5500 search. It names the administrator.
  • They have 30 days to mail the documents. If they don't, a judge can order them to pay you up to $110 a day. You would have to go to court to get it.
  • They can charge for paper copies, but no more than 25 cents a page, and no postage or handling fees. You can ask what it will cost first.
  • Small plans may not file an annual report, so there may be none to send.
  • If they don't answer, the Department of Labor's Employee Benefits Security Administration can help: askebsa.dol.gov or 1-866-444-3272.

Send your letter by certified mail with a return receipt, so you can show when they got it, and keep a copy.

A letter you can send

Fill in the parts in [brackets]. The plan administrator's name and address are in your Summary Plan Description.

Want a reminder?

We'll email you once, 30 days from now, so you can upload what you get. It's the only email we'll send, and we delete your address when we send it.

Getting documents for other kinds of plans

  • Job-based and individual plans: you can ask for a Summary of Benefits and Coverage at any time, and the plan or insurer must send it within 7 business days. It is only a summary. One from an insurer must list a web address for the full policy. For a job-based plan, that address is for the certificate of coverage, which is not the full group policy.
  • Marketplace plans on HealthCare.gov: the Summary of Benefits and Coverage is linked from each plan's page on HealthCare.gov when you preview plans. The full policy is at the web address in it. If your state runs its own marketplace, or you bought your plan straight from an insurer, ask the insurer for it.
  • Government and most church employer plans: ERISA doesn't cover these, so ask the benefits office for the plan's governing document. State and local government plans must still give you a Summary of Benefits and Coverage.
  • Federal employees: your plan's brochure on OPM's site is the official statement of benefits.
  • Medicare Advantage: your plan sends an Annual Notice of Change by September 30, and its Evidence of Coverage, or a notice of how to get it, by October 15. The plan posts it online and must mail you a paper copy if you ask.
  • Medicaid managed care: your plan must give you a member handbook. If it's online, the plan must mail you a free paper copy within 5 business days of asking.

After a denial

Ask for your claim file. Job-based plans covered by ERISA, and individual and Marketplace plans that aren't grandfathered, must give you free copies of the documents about your claim. That includes any internal rule or guideline they used to deny it.

Sources

Checked October 23, 2026. This is general information, not legal advice.