Small Business Health
Insurance in Texas
Small Business
Health Insurance
in Texas

Affordable. And built for Texas small businesses.

Everything may be bigger in Texas, but it doesn’t mean your health insurance costs have to be. Sana is based in Austin, Texas, and we offer comprehensive, flexible plans that fit most any budget. You’ll use Sana’s easy-to-use admin platform, your employees can see any doctor they want, and they'll have access to free virtual doctors' visits.

Sana plans in Texas

Health insurance doesn’t have to be complicated. We offer packages your employees will love, backed by an expert support team you won’t get with the big carriers. We cater to small businesses because, well, we are a small business. We know your challenges and designed solutions to overcome them.

Plan Comparison

Essential

Best for employers that want great coverage, low copays, and access to $0 virtual doctors' visits.

Premium

Best for employers that want first-rate coverage, low copays, and access to $0 virtual doctors' visits.

HSA Compatible

Best for budget-conscious employers that want to cover preventive care, provide access to an HSA, and have healthier than average employees.

Plan Type

PPO Plus

PPO Plus

PPO Plus HSA

Coinsurance

Plan pays 70%

Plan pays 80%

Plan pays 100%

Primary Care Visit

$25 copay

$25 copay

$0 after deductible

Specialty Care Visit

$25 copay

$25 copay

$0 after deductible

Preventive Care

$0 Virtual Doctors' Visits

Virtual care with PlushCare primary care, Blueberry Pediatrics*, and Ginger mental health

Physical Therapy, Massage Therapy, Chiropractic, Acupuncture

$25 copay

$25 copay

$0 after deductible

*Blueberry Pediatrics is only available to members in TX, NJ, NY, CA, PA, or FL. Sana does not currently offer plans to individuals.

Sana plans in Texas

Health insurance doesn’t have to be complicated. We offer packages your employees will love, backed by an expert support team you won’t get with the big carriers. We cater to small businesses because, well, we are a small business. We know your challenges and designed solutions to overcome them.

Plan Comparison

Essential

Best for employers that want great coverage, low copays, and access to $0 virtual doctors' visits.

  • Plan Type (PPO Plus)

  • Coinsurance (Plan pays 70%)

  • Primary Care Visit ($25 copay)

  • Specialty Care Visit ($25 copay)

  • Preventive Care

  • $0 Virtual Doctors' Visits

  • Physical Therapy, Massage Therapy, Chiropractic, Acupuncture ($25 copay)

Premium

Best for employers that want first-rate coverage, low copays, and access to $0 virtual doctors' visits.

  • Plan Type PPO Plus

  • Coinsurance Plan pays 80%

  • Primary Care Visit $25 copay

  • Specialty Care Visit $25 copay

  • Preventive Care

  • $0 Virtual Doctors' Visits

  • Physical Therapy, Massage Therapy, Chiropractic, Acupuncture $25 copay

HSA Compatible

Best for budget-conscious employers that want to cover preventive care, provide access to an HSA, and have healthier than average employees.

  • Plan Type (PPO Plus HSA)

  • Coinsurance (Plan pays 100%)

  • Primary Care Visit ($0 after deductible)

  • Specialty Care Visit ($0 after deductible)

  • Preventive Care

  • $0 Virtual Doctors' Visits

  • Physical Therapy, Massage Therapy, Chiropractic, Acupuncture ($0 after deductible)

*Blueberry Pediatrics is only available to members in TX, NJ, NY, CA, PA, or FL. Sana does not currently offer plans to individuals.

Sana vs. Blue Cross

Sana offers Texas small business health plans that allow for predictability and control while cutting your costs - all without sacrificing quality care.

BCBS Sana
No out of-network fees
Dedicated Customer Success Manager
95%+ customer satisfaction score
Free virtual doctors' visits on all plans
Free labs and imaging
Primary care visits

$25-$50

$25

Urgent care visits

$25-$80

$25

Specialty care visits

$45-$80

$50

Emergency room visits

$300-$750

$200

  • Save money

    Costs are set from established benchmarks, without huge markups. You may also pay less in taxes. These strategies help Sana cut your health care costs.

  • Know what you’re paying for

    We don’t do hidden fees. With Sana, your costs are transparent and predictable so you can budget with confidence.

  • Choose your own doctors

    Forget out-of-network hassles and limitations. Our PPO Plus network is all-access, meaning you and your employees can choose any provider without out-of-network costs or referrals.

  • Get comprehensive care

    Sana offers you access to high-quality providers and the ability to add dental and vision care to any plan. Video doctors’ appointments, mental wellness, physical wellness, maternity and pediatric care are all included.

  • Use Your Claims & Usage Data to Reduce Costs

    You own your plan, so you own your data. We give you access to modern tools that make understanding and administering your plan simple and transparent.

FAQs

Texas does not require any company to offer health insurance benefits, although the Affordable Care Act (ACA) does. But not all companies are under the health care mandate. If your company has 1 to 50 full-time employees, you do not have to provide them with health insurance. However, offering coverage will make you a more attractive employer to employees evaluating their options.

Sana provides plans to businesses with five or more employees.

First, identify your objectives and budget. Instead of working with a broker or third-party administrator, consider working directly with Sana to streamline the process. We provide plan administration and claims adjudication under one roof, as well as a seasoned implementation team to help you onboard. You do not need to wait until your existing plan cycle ends either. Our team will help you transition mid-year if needed.

Your costs will depend on what percentage of employee premiums you will cover, how many employees choose to participate, and if you will pay for employees only or employees and their dependents. The type of plan you provide will also influence costs (and your employees’ costs).

Sana negotiates pricing with providers based on objective, industry-accepted metrics. Shrinking provider markups reduces the cost of care, making premiums more manageable. As a small business, you can deduct the cost of employee premiums from your federal taxes. You may also qualify for a tax credit.

Absolutely. We provide employers and administrators with an easy-to-use dashboard where you can add new employees, update an employee’s contact information, change an employee’s benefits (such as when they have a Qualifying Life Event), or remove an employee from the plan with just a few clicks. We also provide free access to Mineral (formerly ThinkHR) for plan administrators. Mineral includes support for integrated HR and compliance professionals. With Mineral, administrators can get their questions answered and seek advice from a team of HR advisors. They can get a compliant employee handbook with pre-written and automatic policy updates and access an award-winning resource center.

What Texans are saying about Sana

Kristi Cheetham
J.L. Carr Enterprises, Inc.

“Thank you for everything that you’ve done for me! You made what could have been a difficult and stressful insurance process into one that is manageable. You took the time to explain everything to me and went out of your way to contact my providers. On top of that, you are one of the sweetest, kindest people I’ve had the pleasure to work with.”

Beth Adame
Alliance Abroad

“We have been loving Sana, the customer service and coverage are both wonderful. You guys have been a breath of fresh air…health care carriers have always been a thorn to work with. So, working with y’all has been professional, efficient, and personable. Appreciate all you do!”

Brian Tochman
Trust Ventures

“We definitely reduced our cost in health insurance by about 40%. It was a big savings and a no-brainer.”

Ready to change the way you do benefits?