Sana Benefits offers health insurance for small businesses, combining medical, dental & vision coverage with virtual-first primary care and no out-of-network…
Category
HR
Pricing
Sana Benefits does not publish specific premium dollar amounts; pricing is quote-based. Employers and brokers submit census information and the group's most recent renewal documentation to receive a custom quote, typically within 24-48 hours. Six plan tiers are available (PPO Plus HSA, Superior, Premium, Essential, Basic, Core) spanning 0%-50% coinsurance, with $25 primary care copays, $50 specialty care copays, and $0 preventive care., from $0
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Last updated
August 6, 2026
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Sana Benefits provides health insurance plans for small and midsize U.S. businesses with a minimum of two enrolled employees. The platform offers six plan tiers, from a 0%-coinsurance HSA-compatible option to a 50%-coinsurance Core plan, combining traditional in-network medical, dental, vision, and prescription coverage with 'Sana Care,' a virtual-first primary care service offering unlimited messaging with a dedicated care team and $0 or low-cost virtual visits. Employers must be based in one of Sana's licensed states (including AL, AZ, CO, DE, IL, IN, IA, KY, MD, MI, OH, OK, PA, TX, VA, and WI), while covered employees can live anywhere in the U.S. Sana also offers level-funded plans that can return refunds to employers when a group's claims come in under budget, plus an online portal for enrollment, billing, and plan management used by both employers and the brokers who sell Sana's plans.
Key Features
Sana Care virtual-first primary care — Unlimited messaging with a dedicated care team plus $0 or $0-after-deductible virtual visits on most plans.
Six flexible plan tiers — Choose from PPO Plus HSA, Superior, Premium, Essential, Basic, and Core plans spanning 0% to 50% coinsurance, including an HSA-compatible option.
No out-of-network fees — Members never pay out-of-network fees, reducing surprise costs when seeing providers outside Sana's network.
Level-funded plans with potential refunds — Employers can enroll in level-funded plans that return refunds when a group's claims come in under the funded amount.
Large provider network — Access to a reported network of more than 1.2 million in-network providers across the U.S.
Online enrollment and billing portal — An all-in-one provider portal handles enrollment, billing, and plan management for employers and brokers.
Pros & Cons
Pros
No out-of-network fees on any plan, reducing surprise costs for members who see providers outside Sana's network.
Level-funded plans can return refunds to employers when a group's claims come in under the funded amount.
Six plan tiers (0%-50% coinsurance) give employers flexibility to match budget and coverage needs, including an HSA-compatible option.
Sana Care gives every member unlimited messaging with a dedicated care team and $0 or $0-after-deductible virtual visits on most plans.
Cons
Sana publishes no public premium pricing - employers and brokers must submit census data and wait 24-48 hours for a custom quote.
Coverage is only available to employers based in a specific list of licensed states, even though covered employees can live anywhere in the U.S.
A minimum of two enrolled employees is required, ruling out solo founders and single-employee businesses.