If your employer is joining Thatch for the first time, this guide will take you through everything you need to know about setting up your benefits for 2027.

If you are a returning Thatch member who was enrolled for 2026, please visit the Thatch Open Enrollment Guide for Current Members

If you are an employer offering health benefits to your employees, we recommend the Thatch Open Enrollment Employer Renewal Guide

Open Enrollment is the annual period when you can enroll in, renew, or change your health benefits for the next year.

For members whose employer is new to Thatch, there isn't one shared deadline — your enrollment window opens the day your employer sends your invite, and runs 30 days by default (or 14 days, if your employer has set a shorter window). To guarantee a January 1, 2027 start date, you'll need to complete enrollment by December 28. If you submit on December 29 or later, your coverage will start February 1, 2027 instead.

If your employer onboarded with Thatch between November 5–30 as part of that open-enrollment cohort, your submission deadline is December 15, not December 28 — check with your employer if you're unsure which timeline applies to you.

If you were enrolled on Thatch in 2026, your deadline was different — see the Open Enrollment Guide for Current Members.

Thatch is a Third Party Administrator that helps employers offer insurance benefits to their employees. Thatch does benefits a bit differently than you may be used to with previous employers.

Thatch enables employers to offer a monthly health budget to their employees. This employee health budget can be used to purchase a wide variety of individual insurance plans.

This differs from the traditional group or 'employer sponsored' insurance experience, which usually only offers a small set of plans from one or two insurance carriers.

Thatch offers employees the flexibility to choose a plan that works for them. Depending on your employer's configuration, you may also be able to use your allowance for copays, prescriptions, and other Eligible Healthcare Expenses.

You can schedule a call with a member of our licensed advisor team directly from your Thatch dashboard. This option will only be available while your enrollment window is open, so if you have questions, make sure to set up a call before finalizing your plan selections.

When you log into your Thatch dashboard, enter the plan selection flow by clicking the Open Enrollment banner. Once there, click 'Help & Support' on the bottom left. You will be able to schedule time with one of our brokers by selecting the 'I need help deciding between plans' option.

Yes. Thatch is an employer-sponsored benefit, and it's your call to make whether that benefit works for you and your family.

Log in to your Thatch dashboard, click on the open enrollment banner, and walk through the setup process until your employer's allowance amount is displayed. There will be an option to ‘Decline coverage.’

If you take no action during your enrollment period, you will be automatically opted out of Thatch coverage for the coverage year.

Yes! You're able to purchase a plan directly from an insurance company or a state health exchange and bring it onto Thatch, provided it . meets a few specific criteria

The image below shows the information you'll need to provide to bring an external plan onto Thatch.

Note: If you do choose to bring your own plan onto Thatch, you'll be responsible for . keeping it current on payments

Through Thatch, your employer offers a that can be used on healthcare costs like insurance premiums, and, depending on your employer's configuration, copays, prescriptions, and other . monthly employee health budgeteligible healthcare expenses

When you create your Thatch account, you'll see a screen that displays the monthly health budget your employer is offering. On this screen, you'll see what your Thatch health budget is intended to cover, such as:

If you have questions, please reach out to your employer directly to confirm.

Yes, if you have an existing medical plan that is eligible for Thatch, you can bring your existing medical plan to Thatch and just enroll in dental and/or vision.

To enroll in only dental and/or vision, you need to first let us know that you have an existing medical plan:

Your and policy number are generated by your insurance company, not Thatch. member ID

Your insurance company will usually send your member ID in the mail 2–3 weeks after your coverage starts.

If you have completed your enrollment for 2027 and need to either make a change to your enrollment or cancel, you can do so from your dashboard. On the member dashboard under "Your plans," you'll see a line: "Made a mistake? You have until <date> to change your plans or dependents." Clicking it drops you straight back into the shopping flow — no support action needed.

Once you submit your enrollment, Thatch takes immediate action to enroll you in your plan and pay for your first month of coverage. Once Thatch has processed your enrollment and paid on your behalf, you will be responsible for cancelling your coverage directly with your insurance company, and securing a refund if needed.

Follow these steps to making any changes to your submitted enrollment:

If you're wanting to check on the status of a claim or request new member ID cards, you can go to your and create an account. You'll usually need a member ID or the primary policyholder's SSN to get set up.insurance company's site