Thatch
Thatch: ICHRA administration with plan shopping, payroll sync, compliance, and employee support. Ranked #20 of 30 in Employee Benefits Support Software by our editors (6.3/10); pricing: Paid; best for small employers offering individual health plans.
At a glance
- Editor score6.3 / 10
- PricingPaid
- Best forSmall employers offering individual health plans
- Free planNo
- Paid from$45/user/mo
- Benefits enrollmentYes
- Facts checked24 Sep 2026
Where it wins
- Automates individual medical, dental, and vision enrollment
- Syncs payroll deductions and automates premium payments
- Supports HIPAA, ACA, PCORI, and ERISA reporting
Where it doesn't
- The individual-plan model may not fit group-plan administrators
- Standard billing is tied to each enrolled employee every month
- Custom is intended for employers with 50+ eligible employees
Our verdict on Thatch
Thatch is a cloud platform for employers using Individual Coverage Health Reimbursement Arrangements, also called CHOICE arrangements. Employers configure monthly health budgets and employee classes, while employees shop for individual medical, dental, and vision plans. Thatch handles enrollment, payroll deductions, premium payments, reimbursements, compliance reporting, benefits advising, and employee support. A healthcare debit card and marketplace extend spending to qualified healthcare expenses, making the product relevant to startups, small businesses, mid-market organizations, and enterprises that prefer an individual-plan approach.
The Standard plan costs $45 USD per enrolled employee per month, billed monthly. It includes automated benefits administration, payroll integration, HIPAA and compliance documentation, AI-driven insights, automated insurance-premium payments, and benefits advising and enrollment support. The Custom plan is designed for employers with 50 or more eligible employees and adds reporting and business services, ACA compliance for large employers, implementation assistance, a dedicated account manager, and onsite enrollment support. Employers should compare the per-enrolled-employee structure with their participation levels before choosing a plan.
For ecosystem fit, Thatch connects with Gusto, Justworks, ADP, Zenefits, QuickBooks, and Paychex, while its API and embeddable components support platform partners. The platform is available through web and API access, with cloud and browser-extension deployment. Support is offered by email, chat, and phone, with 24/7 availability listed. HIPAA compliance and documentation for ACA, PCORI, and ERISA reporting address administrative requirements. Thatch suits employers seeking managed ICHRA administration and individual-plan enrollment; organizations centered on traditional group-plan administration should consider a different category of benefits platform.
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Thatch pricing
All 2 Thatch plans and prices →
Thatch fact sheet
| Free plan | No |
|---|---|
| Paid from | $45/user/mo |
| Benefits enrollment | Yes |
| Open enrollment tools | Yes |
| HRIS/payroll sync | Yes |
| Carrier integrations | Yes |
| Support channels | |
| Mobile access | Web |
| Employee limit | 49 employees |
| Deployment | Cloud, Browser extension |
| Platforms | Web |
| Compliance & security | HIPAA |
| Support | Email, Live chat, Phone · 24/7 |
| Built for | Solo, Small business, Mid-market, Enterprise (editorial estimate) |
| Integrations | 6 integrations: Gusto, Justworks, ADP, Zenefits, QuickBooks, Paychex |
| Pricing | Paid (source) |
| Website | thatch.com |
| Facts checked | 24 Sep 2026 |
Thatch integrations
Thatch lists 6 integrations on its own site.
- Gusto
- Justworks
- ADP
- Zenefits
- QuickBooks
- Paychex
Alternatives to Thatch
- ADP Help Me ChooseAn optional ADP benefits tool that guides employees from a survey to plan enrollment.9.2
- Empyrean Benefits PlatformA broad benefits platform for employers that need enrollment, decision support, and service together.8.7
- Alight WorklifeBenefits enrollment and guidance with self-service, analytics and AI-powered support.8.5
Also Ranked In
Thatch is ranked in 2 of our directories.
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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