Supporting employees the same way we support our clients

Financial impact: more coverage without higher costs

Key results:

• Enrollment growth: Employee participation nearly doubled from 36 to 67 enrolled employees, while costs remained nearly flat (+1.36%).

• Lower total plan costs: A similar level of employer contributions goes much farther in the individual marketplace than with group health insurance. Total plan costs are lower for comparable benefits, and employees now have more flexibility to choose affordable options. 40% of ConceiveAbilities’ participating employees don't have to pay anything extra for their health insurance selections, whereas with group plans, 100% of participating employees incurred additional premium expenses.

• Maximizing employer contributions: Employees can now allocate employer funds toward the coverage that best meets their needs, with many also using leftover contributions for other medical expenses.

💬 “This isn’t just about cost savings. It’s about offering benefits in a smarter way—our dollars go farther, and our employees get better coverage that meets their individual needs in a personalized manner.”

Operational efficiency: less admin, more impact

Streamlining benefits management

• Eliminated complex group plan administration, reducing compliance headaches and time spent on employee insurance issues.

• Empowered employees to manage their own healthcare, largely eliminating the need for HR to mediate insurance issues.

• Better communication and support: Employees now have direct access to Thatch’s responsive support team, making issue resolution seamless.

💬 “With Thatch, employees handle their own healthcare decisions, so they’re no longer coming to me with problems or waiting on a broker to step in. Compliance is simple, everything’s clearly communicated, and I’m not stuck in the middle between employees, brokers, and carriers. It might feel different at first, but in the end, it’s way more empowering—for them and for me.”

Employee experience: more flexibility, higher satisfaction

What employees are saying

• 84% rate benefits costs as ‘excellent’ or ‘good’ (+22% from 2023 group plan).

• 81% rate benefits quality as ‘excellent’ or ‘good’ (+9% from 2023 group plan).

• 70% say benefits are above average compared to past employers (+17% from 2023 group plan).

💬 “It’s refreshing to have a healthcare plan where I feel like I’m not overpaying. Any leftover employer contributions help with other medical costs—it’s a win-win.”

Why ConceiveAbilities chose Thatch 

1️⃣ Unmatched employee support – Thatch provides proactive, hands-on assistance to ensure employees get the most out of their benefits.

2️⃣ Seamless ICHRA administration – The platform removes administrative complexity, making benefits management easy for HR and leadership.

3️⃣ A true benefits partner – Thatch listens to feedback and continuously improves, rather than leaving employers to navigate challenges alone.

💬 “Thatch is a true partner. When something isn’t working, they don’t just say ‘that’s the way it is’—they work with us to improve it. It’s a breath of fresh air to have a partner who is invested in making benefits better.”

A vision for the future of employer benefits

💬 “I tell people as often as I can that this is the best thing to happen in employer benefits in a long time. I hope more employers see the light and move to the individual market—especially companies with teams across the country.”

ConceiveAbilities’ transition to Thatch delivered a better experience and empowered employees to make the best decisions for their health.

🚀 More choice. More impact. Smarter investment of our dollars. No added cost.