Insurf vs. Thatch.
Thatch is a venture-backed benefits-payments platform: employers set an ICHRA budget, employees enroll and spend it through Thatch's payment stack, including a debit card for leftover allowance.
Every Thatch fact on this page is from their own published pages as of August 28, 2026, quoted and linked. If something has changed, tell us and we will correct it the same week.
Where Thatch is strong.
A comparison you can trust has to be honest in both directions. These are real advantages, plainly stated.
The payments experience. Premium autopay and a debit card for unspent allowance mean an employee pays one place and swipes for the remainder — genuinely convenient plumbing that Insurf does not replicate; reimbursements on our platform run through your own payroll.
Distribution. Thatch is embedded in ADP RUN and operates nationwide; Insurf's pricing engine covers the sixteen states we publish, and we tell you on day one if your roster falls outside them.
Scale of the enrollment operation — a large support team and published response-time stats.
Pricing, as published.
Thatch
Published: $45 per enrolled employee per month for companies with 1–49 employees, plus a compliance fee starting at $25 per month, with a monthly minimum. Custom pricing at 50+.
Source, August 28, 2026Insurf
A flat per-employee platform fee, quoted in writing before you sign — and the savings audit is free before any commitment. We never hold plan funds; reimbursements run through your own payroll.
How our numbers are computedAfter enrollment, in their own words.
The question that separates ICHRA platforms is not the enrollment flow — it is what the platform is still responsible for in March.
“While Thatch may provide limited assistance in navigating insurance questions… we do not guarantee and fully disclaim all responsibility for outcomes based on this assistance”
Thatch's Platform Terms (§7.A, updated April 28, 2026) also state that members are solely responsible for disputes with carriers. That is a reasonable legal posture for a payments company — and exactly the seam an employer should ask about before sending a team into the individual market.
What Insurf does differently.
Before enrollment: Insurf prices the year, not the month. Our engine simulates twelve months of care — premiums net of your allowance, deductibles, each person's actual prescriptions at each plan's actual tier — across 15,062 filed plan variants, and shows the arithmetic. A budget card tells you what you can spend; it does not tell you which plan will cost the least by December.
After enrollment: when a plan says no, Insurf's denial workbench — the same clinical appeals engine we built for medical practices — prepares source-cited appeal packets. It is the only platform in this comparison whose denial support is a clinical appeals engine rather than a support desk.
The methodology is public. Every number on our audit traces to a pinned public source — published at /methodology/pricing — so a broker or CFO can check our math. We publish what we refuse to guess.
No captive money. Insurf never holds plan funds; reimbursements run through your own payroll, so there is no card float, no wallet, and nothing of yours on our balance sheet.
The questions companies comparing us to Thatch ask.
What happened to Venteur?
Venteur, an ICHRA platform, closed in 2026; Thatch announced in April 2026 that Venteur's customers were transitioning to Thatch, and venteur.com now carries a wind-down notice. If you are a former Venteur customer comparing options, the free Insurf audit prices your roster against every filed plan in our sixteen states before you commit anywhere.
Is Thatch cheaper than Insurf?
Thatch publishes $45 per enrolled employee per month (1–49 employees) plus a compliance fee from $25 per month, as of August 28, 2026. Insurf charges a flat per-employee platform fee quoted in writing before you sign, with the savings audit free either way. Which is cheaper for your company depends on headcount and enrollment — ask for both numbers in writing and compare.
Does Thatch help employees when a claim is denied?
Thatch's published Platform Terms say it may provide limited assistance navigating insurance questions while disclaiming responsibility for outcomes, and that members are solely responsible for disputes with carriers (their §7.A, as of August 28, 2026). Insurf's denial support is a clinical appeals engine that prepares source-cited appeal packets — a different kind of answer to the same moment.
Can I see the comparison on my own roster instead of a feature table?
Yes — that is the point of the free audit. Upload a census or sketch your team, and the engine prices every filed plan in your county against your current bill. If the answer is that your current setup wins, that is the answer you get.
The fairest comparison is your own roster.
Competitor names and marks belong to their owners; Insurf is not affiliated with or endorsed by Thatch. Competitor facts reflect their published pages as of August 28, 2026 and may have changed — corrections are welcome and made promptly. Insurf, Inc. is not a licensed insurance agency, does not sell insurance, and receives no commissions; enrollment applications are submitted by an individually licensed insurance producer. This page is an educational comparison — not an offer of coverage, not a recommendation to buy or drop any plan, and not financial, tax, legal, medical, coverage, or insurance advice. Projections are labeled and are not guarantees.