Gravie and Sana both set out to make small-business health benefits simpler and cheaper, and both land on level-funded plans — but they bet on different hooks. Gravie's is a plan that covers most everyday care at zero cost. Sana's is free primary care baked into the plan. Here's how they compare.
This is an independent comparison from QuoteSweep, which maps the modern commercial insurance landscape. QuoteSweep does not compete with either company.
TL;DR: Gravie leads with its Comfort plan — level-funded, most common care at $0 to members — plus a strong ICHRA. Sana leads with built-in virtual-first primary care (Sana Care) at $0, in a transparent level-funded plan. Both are level-funded and broker-distributed; Sana is in 16 states. Deductible-free plan or ICHRA → Gravie; built-in primary care → Sana.
The one-line difference
- Gravie — a deductible-free experience via Comfort (most common care at $0), plus a flexible ICHRA option.
- Sana — an all-in-one plan with free virtual-first primary care built in.
Plan design
- Gravie Comfort: a level-funded plan that "provides zero-cost coverage of most common healthcare services." Last year, 94% of office visits were covered at no cost to members, with employers saving ~15% on average. Gravie ICHRA adds a reimbursement-based option that can save up to 29% at renewal.
- Sana: a level-funded, all-in-one plan with transparent pricing and potential refunds, bundling Sana Care virtual-first primary care at $0, 1.2M+ providers, out-of-network flexibility with no out-of-network fees, and prescriptions in every plan.
Gravie's hook is what members pay (near-zero for common care); Sana's is what's built in (primary care).
Availability
- Gravie: US small and midsize businesses (broad).
- Sana: 16 states (AL, AZ, CO, DE, IL, IN, IA, KY, MD, MI, OH, OK, PA, TX, VA, WI), for groups of 2+.
If you're outside Sana's 16 states, Gravie is the available option.
At a glance
| Gravie | Sana | |
|---|---|---|
| Signature | Comfort: most common care at $0 | Built-in virtual primary care ($0) |
| ICHRA | Yes (Gravie ICHRA) | Not the focus |
| Model | Level-funded | Level-funded |
| Availability | Broad (US SMB) | 16 states |
| Distribution | Direct or broker | Broker |
Funding and scale
- Gravie: per reporting, a $150M growth round in 2025 (~$530M total); 97% employer satisfaction, 87 broker NPS.
- Sana: per Crunchbase, ~$111M raised to 2022, with no newer round disclosed.
Who each one fits
- Choose Gravie if you want a deductible-free plan (Comfort) where employees pay near-zero for common care, or a modern ICHRA — and you value broad availability.
- Choose Sana if you want built-in virtual-first primary care at $0 in a transparent plan, and you're in one of its 16 states.
Frequently Asked Questions
Are Gravie and Sana carriers?
Both are health benefits platforms offering level-funded plans (not P&C insurers). They're bought into directly or through a broker rather than being shopped across many carriers like a broker would.
What's the core difference?
Gravie's signature is the deductible-free Comfort plan (plus ICHRA); Sana's is built-in virtual-first primary care at $0. Both are level-funded.
Which is available in more states?
Gravie has broad US availability; Sana is in 16 states for groups of 2+.
Which is cheaper?
Neither publishes flat pricing; cost depends on the group and census. Gravie cites ~15% average premium savings on Comfort and up to 29% at renewal via ICHRA; compare quotes for your group.
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The bottom line
Gravie and Sana agree that small-business health benefits should be simpler and cheaper, and split on the hook: Gravie on near-zero member cost for common care (plus ICHRA), Sana on free built-in primary care. Match it to what your team values — and check Sana's state availability. Compare both, plus Angle Health and Sidecar, on the health & benefits insurtech hub.
