Thatch for small business

Real benefits, without the renewal rollercoaster

Set a fixed budget you can actually plan around — no insurance renewal surprises, and no need for a full-time benefits person to run it.

Book a demoSee your price
hero image

Thousands of SMBs use Thatch

Habitat for Humanity of Long Island logoReal Salt Lake logoPBS KVIE logoComfort Keepers logoTeeTurtle logoTenderfoot TV logoOwnerRez logoBoutique Air logoWoodstock Inn Brewery logoBrookshire Brothers logoThe Leffell School logoSprung Instant Structures logoCriswell Performance Cars logoLeadspace logo

Features

Everything a benefits department would do, without one.

Thatch runs enrollment, renewals, compliance, COBRA, receipt verification, and payroll deductions, backed by a team that works as an extension of yours. Each employee gets a fixed monthly budget, so costs never jump the way a small-group renewal can.

  • Costs you can plan around: A fixed budget per employee, instead of a yearly small-group insurance renewal that can jump without much warning. No claims-based guesswork — just a budget you define.

  • Guided choice: A seamless plan selection 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.

Everything a benefits department would do, without one.
Your employees choose their own benefits

Your employees choose their own benefits

Employees pick a plan that matches their needs and covers their doctors. Your team gets better coverage, more flexibility in how they spend that budget, and a more modern benefits experience.

Thatch handles all of the benefits questions

Thatch handles all of the benefits questions

Administering benefits is painful and time-consuming for small businesses. We provide fast, friendly support with both an AI-powered SMS bot and a team of friendly human beings.

Your team gets a card to pay for healthcare

Your team gets a card to pay for healthcare

The Thatch health budget can be applied to any qualifying healthcare expense, including therapy, prescriptions, and more — all using a Thatch debit card.

Your employees choose their own benefits

Fast and easy to set up and manage

Set a budget, connect your payroll system, and connect your bank account in 15 minutes. We handle all the setup and administration so you can focus on what matters.

Small businesses love Thatch.

Thousands of SMBs trust Thatch to handle their benefits. Get better coverage, more flexibility, and happier employees.

71%

say Thatch is the same or better than their previous benefits

86%

Customer satisfaction score

vs. 64% industry average

85%

of employees choose their plan on their own

ConceiveAbilities

“Employee participation nearly doubled, while costs remained flat.”

Cathy Kenworthy, CEO, ConceiveAbilities

Cathy Kenworthy, CEO, ConceiveAbilities

FAQ

No. Individual plan pricing is set by age, location, tobacco use, and family size, but never by health history or past claims. Unlike a traditional small-group plan, where one expensive year can increase your renewal costs, individual coverage isn't experience-rated — so one employee's bad year won't spike everyone else's cost next year.

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.

With an employee health budget, healthcare policy management is off your plate. You're responsible for three things: scheduling benefits invites, offboarding ineligible employees, and uploading Thatch-generated payroll deductions into your payroll system — no full-time benefits hire required.

We work with more than 100 payroll providers to sync your employee roster automatically, and we can write deductions directly into most major payroll systems.

Upload your current employee census into our quoting tool. As you adjust your budget up and down, you'll see the affordability rules applied automatically and the cost for every employee, so you know exactly what you're committing to before renewal ever comes around again.

Once you like what you see, create your account directly from that quote. You can also schedule time with a Thatch representative to review your options at any point.