IDOI-Licensed Indiana Carrier - Indiana Department of Insurance RegulatedSana Benefits Indiana Group Health Insurance 2026
An all-in-one health plan built for small businesses - level-funded pricing, $0 virtual primary, mental, and maternity care, and a modern admin experience. Available to Indiana small businesses with 5 or more employees.
Sana Benefits Indiana Group Plan Options
Sana is designed for Indiana small employers that want simple pricing and strong virtual care.
| Product | Type | Min Group | Key Feature |
|---|---|---|---|
| Sana PPO | PPO / POS | 5+ | Open provider access |
| Sana HMO | HMO | 5+ | Lower premium, coordinated care |
| Level Funded | Level Funded | 5+ | Fixed monthly cost with potential refund |
| Sana Care | Virtual-first | 5+ | $0 telehealth for primary, mental, maternity |
Indiana Intel Most Brokers Don't Share
1. Confirmed available in Indiana
Sana serves Indiana small businesses - one of roughly sixteen states where it operates - so this is a real option, not a national brand that skips the Midwest.
2. $0 virtual care drives savings
Free virtual primary, mental health, and maternity care pushes routine utilization to the lowest-cost setting, which helps a small Indiana group's claims run.
3. Level funding for small groups
Sana's level-funded structure gives Indiana groups a fixed monthly cost and a potential year-end surplus in a healthy claims year.
4. Fits micro and small employers
With a 5-plus employee focus and a 2-enrolled minimum, Sana fits Indiana startups, trades, and family businesses without a benefits department.
5. Indiana protections apply
Fully insured components follow Indiana clean-claim (IC 27-8-5.7) and step-therapy (IC 27-8-5-30) rules; level-funded terms are set in the plan documents.
6. Built for no-HR teams
The admin experience is designed for owners who run benefits themselves - onboarding, ID cards, and billing in one modern dashboard.
How HRAs Work With Sana Benefits Plans
Sana pairs cleanly with HRAs for small Indiana employers.
Fully Insured - Integrated HRA
Buy down employee cost on a higher-deductible Sana plan with a simple employer HRA.
Level Funded - Surplus HRA
Direct a healthy-year surplus into an HRA for the next plan year.
Virtual-First Savings
$0 telehealth reduces the claims an HRA would otherwise reimburse.
Sana Benefits: Strengths and Limitations for Indiana Employers
✓ Strengths
- Built for Indiana small businesses
- $0 virtual primary, mental, maternity care
- Level funding available at small sizes
- Modern, low-lift administration
✗ Limitations
- Newer and smaller than national carriers
- Network model differs - verify provider match
- Not designed for large groups
- Availability varies by Indiana county and ZIP
Illustrative Example
12-person creative studio, Bloomington, Indiana
Creative & digital services · 12 employees · Moved to the Sana level funded plan in 2025
“As a 12-person shop, we never thought we'd get a modern benefits experience like the big companies have. Sana's app and free virtual care made our first open enrollment actually easy.”
Why it worked: Sana's low minimum group size and built-in virtual/primary care make it a strong fit for small, younger Indiana companies that want a modern benefits experience without enterprise pricing.
Get Sana Benefits Group Quotes for Indiana Employers
Compare Sana against Anthem and every major Indiana group carrier - side by side, in one proposal.
Request a Group QuoteCall 855.847.7020