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A smarter approach to small business health insurance

A smarter approach to small business health insurance

Health insurance can be one of the biggest challenges for small businesses—it’s expensive, confusing, and often lacks the flexibility employers and employees need. But the right plan can make a huge difference, helping businesses save money while offering high-quality care that keeps employees happy and healthy.

That’s where we come in. With a 93% customer satisfaction rating, our health plans are designed specifically for small businesses—offering cost savings, flexibility, and standout benefits like $0 virtual care and care navigation through Sana Care.

To help you communicate the value of better health insurance to your clients, here’s a quick breakdown of why modern, more affordable health plans are changing the game for small businesses.

1. Real Cost Savings for Small Businesses

Tax Advantages

Many small businesses don’t realize that self-funded health plans like Sana’s can offer significant tax advantages over traditional fully insured plans. Our level-funded plans are taxed less, helping businesses save.

Lower Pharmacy Costs with SmithRx

Sana partners with SmithRx, a transparent Pharmacy Benefits Manager (PBM) that ensures members have access to lower-cost medications. This means predictable prescription pricing and substantial savings for employers.

Fair and Flexible Reimbursement

Unlike traditional insurance carriers, Sana’s reimbursement model blends direct contracts, networks, and single-case agreements to offer members more flexibility while keeping costs in check.

2. Sana Care: A Game-Changer in Virtual Healthcare

One of the biggest reasons small businesses love Sana is Sana Care—our high-quality, no-cost virtual healthcare solution that provides comprehensive care without barriers.

$0 Cost for Members

Unlike some traditional virtual care options, Sana Care is 100% included in Sana plans, members making high-quality care more accessible and affordable for employees.

Beyond Just Virtual Care

Sana Care isn’t just for minor issues. Our dedicated care team can diagnose, treat, and manage ongoing conditions—providing the same level of care as an in-person primary care doctor.

Guidance to Best In-Person Care

If a member needs an in-person visit, our care navigators will guide them to the best available provider—ensuring they receive the right care at the right time.

With Sana Care, businesses get a built-in virtual care solution that reduces costs, increases healthcare access, and improves employee well-being—all at no extra charge.

3. More Freedom and Flexibility

Flexible Network

Unlike restrictive networks, Sana can work with any provider who will work with us—giving employees the freedom to see the doctors they trust.

Customizable Plans for Employees

Employees can choose a plan that fits their needs with different deductible and out-of-pocket maximum options, providing a sense of control and satisfaction in their healthcare choices.

4. Level-funding = Cost Savings and Predictability

For those unfamiliar with level-funded health insurance plans, here’s a helpful definition.

“A level-funded health plan is a type of self-funded health plan where the employer pays a fixed monthly fee to a third-party health services company to cover all of the administrative costs and what they anticipate to be their monthly employee claim costs.”

With Sana’s level-funded plans, small businesses get:

✔️ Predictable monthly costs—just like a fully insured plan.

✔️ Savings of a self-funded plan—without the risk.

✔️ Year-end reimbursements if claims are lower than anticipated.

✔️ Stop-loss insurance for protection against high claims.

This balance of transparency, cost control, and savings makes Sana an easy sell to small businesses.

4. Plans Designed for Small Businesses

Small businesses have different healthcare needs. That’s why Sana offers multiple plan options—ensuring there’s a perfect fit for every employer.

Unlike traditional carriers, we keep things simple and affordable so businesses can focus on what they do best.

5. Why This Matter for Brokers

As a broker, you want to help small businesses find the best health plans. With Sana, you’re offering:

✔️ Cost savings through lower taxes, fair reimbursements, and pharmacy savings.
✔️ More choices for employers and employees.
✔️ Sana Care and virtual healthcare solutions to improve access to care.
✔️ Level-funded plans that provide stability and refunds when claims are low.
✔️ Simplified plan options designed specifically for small businesses.

At the end of the day, Sana makes healthcare easy, affordable, and accessible. And that’s exactly what small businesses need.

Final Thoughts

If you’re looking for a health insurance partner that actually works for small businesses, Sana is the answer. By introducing your clients to Sana’s affordable plans, premium virtual care through Sana Care, and transparent pricing, you’re offering real value that keeps employees happy and businesses thriving.

We have many resources to help making Sana available to your clients seamless. If you would like to learn more on behalf of a specific client partner, start by requesting a group quote.

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