Thatch documentation
Thatch is an all-in-one platform that makes it easy for companies to offer personalized healthcare to employees through an Individual Coverage Health Reimbursement Arrangement (ICHRA).
Members
Your employer offers health benefits through Thatch. Learn how to pick a plan, enroll, and spend your Thatch balance on everyday care.
Employers
Offer competitive health benefits without a group plan. Set a monthly budget, connect payroll, and invite your team in minutes.
Platforms
Bring ICHRA benefits into your own product with the Thatch API, from quoting plans to enrolling members.
How Thatch works
Through Thatch, an employer gives employees a monthly pre-tax allowanceallowance The amount an employer makes available to help employees pay for coverage or eligible expenses. to spend on healthcare, giving employees greater control over the doctors they visit, the prescriptions covered, and the cost of medical procedures.
Employers set a health budget
Employers allocate pre-tax funds to employees instead of pre-paying for often-underutilized benefits.
Employees enroll in a health plan
Employees choose the individual health plan that works best for them, and own the policy themselves.
Leftover budget covers other costs
Once premiums are paid, employees can use what remains on co-pays, prescriptions, and other qualified medical expensesqualified medical expense A type of healthcare cost that counts as eligible for specific plans or accounts. (QMEs).
Thatch handles everything else
Thatch submits enrollments, makes payments, generates compliance reporting, and answers member questions directly—reducing complexity for HR teams.
For members
Guides for employees using Thatch health benefits, from choosing a plan to spending your balance.
Set up your Thatch account
Create your Thatch account and get ready to choose your health benefits.
Compare plans
Find the insurance plan that best fits your doctors, prescriptions, and budget.
Enroll in a plan
Complete your enrollment and start using your new coverage.
Use your Thatch balance
Spend your remaining balance on co-pays, prescriptions, and other eligible expenses.
For employers
Guides for HR teams and benefits admins offering health benefits through Thatch.
Create your account
Create your company's Thatch account, connect your bank, and verify your business.
Choose a health budget
Decide the monthly pre-tax amount each employee receives for healthcare.
Configure payroll
Sync your employee roster, set your pay schedules, and automate payroll deductions.
Invite employees
Set a waiting period and enrollment window, then invite your team to choose their benefits.
Need help?
When you onboard to Thatch, you can use the Ask Thatch tool for help or to set up a call with licensed advisors.