Thatch for mid-market

Healthcare costs everyone can count on

Replace your one-size-fits-all group plan with a health budget for every employee — and a dedicated team that acts as an extension of yours.

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HR teams at growing mid-sized companies have moved off group health insurance to Thatch

Five Guys logoCrumbl logoSkydio logoRo logoCrossroads logoGlooko logoPalecek logoSoClean logoAqua logoSan Antonio Food Bank logoFive Guys logoCrumbl logoSkydio logoRo logoCrossroads logoGlooko logoPalecek logoSoClean logoAqua logoSan Antonio Food Bank logo

Features

All the work behind your benefits, handled

Offer a benefit candidates actually weigh against Big Tech — including remote hires in any state — without adding headcount to run it. Thatch's team acts as your HR department for everything health benefits related.

  • Guided choice: A guided shopping experience across top carriers, searchable by your employees' own doctors, hospitals, and prescriptions.

  • A team, not just software: Account managers, benefits consultants, implementation managers, and licensed enrollment advisors, scaled to your size.

  • A budget you control: Set a fixed amount per employee and tailor it by class, age, or location. High-cost claimants no longer detonate your renewal.

All the work behind your benefits, handled
Attract and retain talent

Attract and retain talent

Create a world-class benefits experience without a bigger benefits bill. Give employees real choice instead of one plan that may or may not fit their needs.

New hires enroll when they start

New hires enroll when they start

Never chase down coverage for someone you hired mid-quarter. New hires get benefits fast — not at the next company-wide open enrollment window.

Benefits your team will actually love

Budget with confidence

Set a fixed budget per employee and tailor it by class, age, or location. Avoid renewal shock when one employee's claims spike the whole company's rate.

Better for distributed teams

Less benefits administration

Hand off the admin, but keep the decisions. Run enrollment, payments, and compliance on one platform — no hand-offs to 3rd parties.

Crossroads

“People like picking the plan that meets their needs instead of choosing from just one of three. It's very nice to confidently point employees to Thatch's support team and know they'll be helped.”

Maggie Chapman, Director of People Operations, Crossroads

Maggie Chapman, Director of People Operations, Crossroads

FAQ

In some ways, individual plans cover more: they're required to include all 10 essential health benefits, including maternity care, mental health, and prescriptions, while self-insured group plans aren't. Cost-sharing is closer than most employers expect too — the average 2026 gold-plan deductible is $1,722, versus $1,886 for employer coverage in 2025.

The real difference is networks: individual plans generally build narrower local networks than a large-group PPO, which helps keep premiums lower. That's why choice matters — with an employee health budget, each person weighs plans against their own doctors, prescriptions, and family, something no single group plan can do for everyone.

No. Individual plan pricing is set by age, location, tobacco use, and family size, but never by health history or past claims. Unlike a small-group plan, where one expensive year can drive your renewal, individual coverage isn't experience-rated.

It depends on state and region — PPOs are less common on the individual market than in group coverage. You'll see every plan available to each employee when you set your budget, so you can check PPO options for your actual locations before you commit to the switch.

Most employees don't need much help: 85% choose their plan confidently on their own. The rest get one-on-one support from a licensed advisor. Ask Thatch, built into every employee's portal, is also available 24/7 for real-time answers — so a companywide rollout doesn't become a companywide support burden.

Claims are handled by the employee's insurance carrier — the number on their member ID card is the fastest route for a denied claim, a billing dispute, or a coverage question. Thatch helps employees choose a plan, understand what it covers, use their employee health budget, and navigate the claims process along the way.