Upgrade from
health benefits to
health budgets
Give every employee a health budget to choose care that fits their life, and get predictable costs that you can plan around.
Trusted by 5,000+ companies
You set the budget, your team picks the benefits
You set a health budget
Every employee gets a budget based on their age, location, and dependents.
Employees choose their insurance
Great plans from top carriers, filtered by their own doctors, hospitals, or prescriptions, available directly on Thatch.
They spend what’s left on what matters
Employees can use their budget for copays, prescriptions, therapy, GLP1s, and much more.
Healthcare that goes beyond insurance
Thatch Market
Thatch Market offers exclusive pricing from 50+ partners, covering mental health, weight-loss, fertility, and more. Employees can pay for it all with their health budget.
We include Thatch Market for every employer; there's no additional cost, contracts, or administration required.
Learn more
Thatch Card
After purchasing an insurance plan, the funds remaining from the health budget are loaded onto a Thatch Card. No reimbursement forms or waiting periods — your team spends their health budget their way.
Human-first support
Healthcare has some of the worst customer service ratings of any industry. We built Thatch differently, with support designed around the moments employees and HR teams need us most.
Hands-on enrollment support
More than 85% of employees select their benefits on their own, but our team of benefits experts is available to help employees with plan selection year-round. During open enrollment, we offer employees extended evening and weekend support, on their own schedule — not a call center's.
Help across every channel
We resolve employee questions by phone, text, or email, meeting people where they are.
Licensed plan-selection guidance
Employees can connect with a licensed advisor to understand their options and choose the right plan for their family.
Onsite help when it matters most
For larger employers, our team can provide onsite support during open enrollment, helping employees enroll with confidence.
One fewer job for HR
Employees come directly to Thatch with plan and enrollment questions, so HR doesn't become the benefits help desk.
Support metrics in real time.
We publish our live support metrics because we believe in transparency and accountability.
3.1h
Average response time
vs industry avg: 8 hours
85%
CSAT Score
vs industry avg: 64%
99.9%
Enrollment accuracy
vs industry avg: 80%
“The majority of our employees were seeing a cost decrease. Better coverage at a lower cost.”
Maggie Chapman
Director of People Operations, Crossroads
Insurance plans from top carriers
How Thatch compares to the status quo
Traditional group benefits don't meet the needs of employees and employers today.
Standard group benefits
Employee choice
Thatch
Each employee gets benefits that fit their life.
Standard group benefits
One plan chosen for everyone.
Costs
Thatch
A fixed budget you control.
Standard group benefits
Premiums climb 10-12% every year.
Provider choice
Thatch
Employees find a plan that keeps their doctor.
Standard group benefits
Doctors and hospitals out of network.
Claims
Thatch
Unaffected by any one employee's claims.
Standard group benefits
One bad claim and your costs jump.
Renewal
Thatch
Renewing coverage is easy and predictable.
Standard group benefits
Yearly renewals are losing negotiations.
Talent
Thatch
Healthcare that doubles as your talent strategy.
Standard group benefits
Generic benefits that fail to attract top talent.