Ontario’s SABS reform makes 9 of 12 Accident Benefits coverages optional starting July 1, 2026. Only Medical, Rehabilitation, and Attendant Care will remain as mandatory coverages. A transitional clause lets policies written before that date be amended by agreement at renewal. The reform also reorders “first payer” so that auto insurers pay eligible medical and rehab costs before supplementary health plans. FSRA has begun publishing insurer Q&A and new consumer forms ahead of the switch.