Thatch Marketplace Launch

Healthcare should work for people

165 million Americans get their health insurance through their employer¹—but they rarely get a choice. Employers select the insurance carrier, the plan design, and the network. That single decision shapes nearly every part of the healthcare experience: which doctors employees can see, which medications are covered, even whether they can afford to get care at all. And if the plan doesn’t work for them? They have no recourse—they’re stuck with it.

At the same time, employers are stuck too.

Most companies want to offer great benefits, but they’re operating in a system that wasn’t built for personalization. HR teams are forced to choose a one-size-fits-some group health plan, only to watch premiums rise while employee satisfaction stays flat. To bridge the gaps, companies tack on more point solutions—mental health here, fitness there—each with its own vendor, contract, pricing, and support burden.

The result? Rising costs, more administrative complexity, and benefits that still feel disconnected from what employees actually want. And the value of it all? Largely invisible.

It’s time for a change.

A new model for health benefits

At Thatch, we believe the future of healthcare puts the individual—not the employer, not the insurance carrier, not the benefits vendor—at the center. That’s why we built a platform where employers provide a tax-free monthly budget, and employees use it to choose the insurance that fits their lives.

And today, we’re going one step further.

Introducing the Thatch Marketplace

The Thatch Marketplace unlocks exclusive member pricing on a curated ecosystem of high-impact health and wellness services—all accessible through the same tax-free allowance employees use for insurance.

Instead of locking every dollar into a one-size-fits-all health insurance plan, employees now have real choice. One employee might spend $500 on an insurance plan that fits their needs, use $100 to cover their out-of-pocket prescriptions, and save the rest for a Peloton—made possible through our partnership with Truemed, which enables Thatch balances to be used across hundreds of eligible wellness services, from therapy to wearables. 

And that’s just one example. We’ve also partnered with Prenuvo to make early-detection whole-body MRIs—normally thousands of dollars out of pocket—accessible and benefits-eligible through Thatch. It’s one of many ways we’re helping employees proactively care for their health, not just react to it.

From diagnostics and fertility care to therapy, telehealth, and functional medicine, the Marketplace unlocks access to the kinds of care people actually value—using the same benefits dollars that were once tied up in rigid insurance premiums.

Why it matters

For the first time, employees—not employers—are at the center of their healthcare experience.

Thatch flips the traditional benefits model by giving individuals the power to choose the coverage and care that fit their lives. Instead of employers selecting a narrow set of plans and point solutions, they simply set a predictable monthly allowance. Employees take it from there, using their balance to select their preferred insurance paired with benefits from a curated marketplace of high-impact health and wellness services.

No more one-size-fits-all healthcare. No more navigating a patchwork of disconnected offerings.

Just one platform that puts employees in control—and gives employers the cost predictability and simplicity they’ve been waiting for.

💬 "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."

This is what modern benefits look like

With the Thatch Marketplace, we’re not just improving benefits—we’re building a new standard for employer-sponsored care.

Personalized, flexible, and built around real people, not red tape.

¹Kaiser Family Foundation