Health benefits from the future
Set a budget with ICHRA, let employees choose plans they love, and let your benefits agent handle enrollments, eligibility checks, reimbursements, and compliance.
Insurance services provided by licensed partners; card issued by bank partners pursuant to Visa U.S.A. license.
Thatch Budget
$750.00
Members pick
medical • dental • vision
No in-person visit, just four easy steps
Agentic workflows guide setup, enrollments, and reimbursements.
Set a monthly budget
Create ICHRA classes by role or location; your agent simulates OOP vs. employer cost.
Employees choose plans
Medical, dental, and vision from top carriers — filtered by doctors and prescriptions.
Swipe or submit
Use the Thatch Visa® card or upload receipts; OCR validates required details.
Get reimbursed fast
Automated approvals for eligible expenses; finance exports are GL-ready.
Thatch is a better way to do health benefits
Set an allowance, not a single group plan. Your team shops the marketplace; you control spend and compliance with ICHRA.
Monthly healthcare budget
Employee
$872
Employee + 1
$1,352
Employee + 2 or more
$2,160
Estimates for demo purposes. Actual pricing varies by carrier and location.
UnitedHealthcare
Platinum Premier
$623
Guardian
Dental Premier
$80
UnitedHealthcare
Vision Select
$17
Employees choose insurance on Thatch
Access medical, dental, and vision plans from top carriers — all in one place. Employees pick based on doctors, Rx, and budget.
- Doctor & prescription matching
- Clear total cost with employer budget applied
- Side-by-side comparisons explained in plain English
Easy compliance and support with Thatchbot
Text a question, snap a receipt, get instant answers. The agent validates eligibility, requests missing details, and keeps members updated on status — with human review for edge cases.
- IRS-qualified expense checks with explanations
- Duplicate/merchant risk checks before payout
- Auto-approve low-risk claims; route exceptions to humans
Member:
Can I use my budget for a humidifier?
Thatchbot:
Yes — humidifiers are a qualified medical expense when used to treat a diagnosed condition. I can file it — just snap the receipt.
5 minute setup
Connect payroll and bank; get benefits live in minutes.
Switch anytime
Move off group plans outside open enrollment with guided comms.
Works for all employees
Nationwide coverage; employees pick plans their doctors take.
Efficient budgeting
Generate class-based budgets by geo/role with smart guardrails.
Hire better
Flexible, modern benefits candidates actually want.
Save admin time
Automated receipts, approvals, and GL exports reduce busywork.
Why modern teams switch to Thatch
“We gave our team real choice and cut admin time by half. The agent handles receipts and member questions 24/7.”
Frequently asked questions
Get started with Thatch
More choice for employees, more control for finance and HR.