Thatch provides an Individual Coverage HRA (ICHRA) for SMBs. We make it easy to offer health benefits to your team, and handle all the compliance and administration so you can focus on what matters.


Built for companies of all shapes and sizes

Hundreds of businesses, from startups to enterprises, trust Thatch to give great health benefits to their teams.

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Thatch is the easiest ICHRA for SMBs

The Individual Coverage Health Reimbursement Arrangement (ICHRA) is a new, flexible way for small and medium sized businesses to offer health benefits to their team. Instead of selecting and managing benefits directly, you set a healthcare budget for your team, which they spend the way they want. It's a great fit for SMBs: you spend less time managing benefits, and your employees get a more personal, flexible benefits experience.

Monthly healthcare budget

You're offering better benefits than 50% of companies at your stage


For individuals


For individuals + spouse


For families

Your employees choose their own benefits

SMBs who use Thatch get an ICHRA for their company. 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. You get a turnkey experience, and save time managing benefits.


Thatch handles all of the benefits questions

Administering benefits is painful and time-consuming for small businesses. When you use Thatch, you onboard in 5 minutes and get an ICHRA made for SMBs that' fully managed. We deal with all of the setup, compliance, and administration, including payroll, taxes, and legal notices. We also 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

You have the option to allow your team to use their healthcare budget to pay for more than just health, dental, and vision insurance. Your all-in healthcare budget can be applied to the healthcare costs that are most important to your team: including therapy, prescriptions, fertility treatments, and more. We manage all of this automatically via a Thatch debit card.


The best ICHRA for startups

See why Thatch is the easiest way to offer health benefits to your startup.

Thatch Health, Inc. is a financial technology company and is not a bank. Banking services provided by Thread Bank; Member FDIC. Thatch Visa Debit Cards are issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
This website is operated by Thatch Health, Inc. Insurance services are provided by Thatch Health Insurance Services LLC. See Thatch Health Insurance Services LLC insurance licenses.
Insurance services described on this website are provided by Thatch Health Insurance Services LLC and not the Health Insurance Marketplace® website. In offering this website, Thatch Health Insurance Services LLC is required to comply with all applicable federal laws, including the standards established under 45 CFR §§155.220(c) and (d) as well as 45 CFR §155.260 to protect the privacy and security of personally identifiable information. This website may not support enrollment in all Qualified Health Plans (QHPs) being offered in your state through the Health Insurance Marketplace® website. For enrollment support in all available QHP options in your state, go to the Health Insurance Marketplace® website at Healthcare.gov.