Thatch Health

Thatch (Thatch Health, Inc.) is a modern health benefits platform that makes it easy for employers to offer personalized healthcare to employees using an ICHRA (Individual Coverage Health Reimbursement Arrangement). Thatch for Platforms is a set of REST APIs and embeddable components that let partner platforms — payroll, HR, and benefits products — bring ICHRA benefits to their customers, covering employer onboarding, employee management, enrollments, members, pay schedules, and payroll deductions.

Thatch Health publishes 7 API contracts indexed on the APIs.io network, including Deductions API, Employees API, Employer onboarding sessions API, and 4 more. Tagged areas include Company, Healthcare, Health Benefits, ICHRA, and Insurance.

The Thatch Health catalog on APIs.io includes 1 Spectral governance ruleset.

Thatch Health’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, pricing, signup flow, and 28 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

56.8/100 strong ▬ flat Agent 26/100 agent aware Front door AI 1/6 silent Heartbeat 90/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaid

2 published contracts 3 Agent Skills

Company Healthcare Health Benefits ICHRA Insurance PayrollEmbedded BenefitsHuman Resources

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Human Capital Management

BC-300

DeductionsEmployeesEmployersEnrollmentsMembersPay Schedules

GET /enrollments GET /deductions POST /employees GET /members

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 56.8/100 · strong

Contract Quality 9.6 / 19

Developer Ergonomics 9.9 / 15

Access Clarity 13.4 / 15

Operational Transparency 1.8 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 3.5 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 26/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Health regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 51.2 — up to +12.2 composite points
Operational Transparency scores 18.4 — up to +10.6 composite points
Contract Governance scores 18.2 — up to +9.8 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/thatch-health/apis.yml: open an issue on github.com/api-evangelist/thatch-health to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 7

Individual APIs this provider publishes, each with its own machine-readable definition.

Thatch Health Deductions API

Payroll deductions track the costs of plan premiums to employees.

Thatch Health Employees API

Employees work for employers, both of which are managed by partners. Employees enrolled in plans are also represented in Thatch as member objects.

Thatch Health Employer onboarding sessions API

Employers onboard into a platform through employer onboarding sessions. After creating a session, provide the `claim_url` to the onboarding iframe in your app.

Thatch Health Employers API

Platforms onboard employers into Thatch, and have employees enrolled in plans.

Thatch Health Enrollments API

Enrollments use member objects to track employee coverage status.

Thatch Health Members API

Members represent employees enrolled in plans. Thatch creates member objects automatically, but you can retrieve them (for example, to aid in supporting an enrolled employee.

Thatch Health Pay Schedules API

Pay schedules model the cadence of employee paychecks for the purpose of deduction calculations.

Scroll for all 7

Open Collections 7

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Thatch for Platforms Deductions API

OPEN COLLECTION

Thatch for Platforms Deductions Employees API

OPEN COLLECTION

Thatch for Platforms Deductions Employer onboarding sessions API

OPEN COLLECTION

Thatch for Platforms Deductions Employers API

OPEN COLLECTION

Thatch for Platforms Deductions Enrollments API

OPEN COLLECTION

Thatch for Platforms Deductions Members API

OPEN COLLECTION

Thatch for Platforms Deductions Pay Schedules API

OPEN COLLECTION

Scroll for all 7

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Manage employees and dependents

AGENT SKILL

Onboard an employer into ICHRA benefits

AGENT SKILL

Sync payroll deductions and pay schedules

AGENT SKILL

Thatch Health API pricing

Prices published by Thatch Health, read 2026-10-28 from thatch.com/pricing.

Plan	Price
Standard (1 - 49 eligible employees)	$230/mo per company (example: $45 × 4 employees + $50 compliance fee) Includes: Fully automated benefits administration, payroll integration, HIPAA and compliance documentation, AI
Custom (50+ eligible employees)	Custom Includes: Everything in Standard, plus robust reporting, ACA compliance, white glove implementation, dedicated

Plan details, limits and sources →

Billed by: company (example: $45 × 4 employees + $50 compliance fee) · FinOps profile →

Pricing Plans 2

Published pricing tiers and plan structures.

Thatch Health Plans Pricing

2 plans

PLANS

Thatch Health Price Estimates

0 plans

PLANS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Thatch Health

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Thatch Health Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Thatch Health API Rules

62 rules · 60 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Thatch Health Platforms Overlay

3 actions · update · thatch-health-platforms-openapi-original.yml

DERIVED

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Thatch Health Authentication

apiKey · 1 scheme

SECURITY

Thatch Health Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Thatch Health Trust Center

SOC 2

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Thatch Health Agentic Access

19 operations · 8 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 3

Reference material describing how the API behaves

OpenAPI

OpenAPI

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

WellKnown

WellKnown

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

ErrorCatalog

Lifecycle

Conventions

Conformance

Components

DataModel

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

Access & Security 4

Authentication, authorization, and security posture

TrustCenter

Compliance

Authentication

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 4

Pricing, plans, and the legal terms of use

Plans

Pricing

TermsOfService

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: thatch-health
name: Thatch Health
description: Thatch (Thatch Health, Inc.) is a modern health benefits platform that makes it easy for employers to offer personalized
  healthcare to employees using an ICHRA (Individual Coverage Health Reimbursement Arrangement). Thatch for Platforms is a
  set of REST APIs and embeddable components that let partner platforms — payroll, HR, and benefits products — bring ICHRA
  benefits to their customers, covering employer onboarding, employee management, enrollments, members, pay schedules, and
  payroll deductions.
url: https://raw.githubusercontent.com/api-evangelist/thatch-health/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: high
  source:
  - plans
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://docs.thatch.com/img/thatch.svg
x-type: company
x-source: vc-portfolio
x-backed-by:
- a16z
x-tier: profile
x-tier-reason: enriched-provider
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
x-docs-platform: docusaurus
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-17
tags:
- Company
- Healthcare
- Health Benefits
- ICHRA
- Insurance
- Payroll
- Embedded Benefits
- Human Resources
tags_raw:
- Company
- Healthcare
- Health Benefits
- ICHRA
- Insurance
- Payroll
- Embedded Benefits
- HR
apis:
- aid: thatch-health:thatch-health-deductions-api
  name: Thatch Health Deductions API
  description: 'Payroll deductions track the costs of plan premiums

    to employees.'
  humanURL: https://docs.thatch.com/api/
  baseURL: https://partners.thatchcloud.com/api/partners/v1
  tags:
  - Deductions
  properties:
  - type: OpenAPI
    url: openapi/thatch-health-deductions-api-openapi.yml
  - type: Documentation
    url: https://docs.thatch.com/
  - type: APIReference
    url: https://docs.thatch.com/api/
- aid: thatch-health:thatch-health-employees-api
  name: Thatch Health Employees API
  description: 'Employees work for employers, both of which are managed

    by partners. Employees enrolled in plans are also represented in Thatch as member objects.'
  humanURL: https://docs.thatch.com/api/
  baseURL: https://partners.thatchcloud.com/api/partners/v1
  tags:
  - Employees
  properties:
  - type: OpenAPI
    url: openapi/thatch-health-employees-api-openapi.yml
  - type: Documentation
    url: https://docs.thatch.com/
  - type: APIReference
    url: https://docs.thatch.com/api/
- aid: thatch-health:thatch-health-employer-onboarding-sessions-api
  name: Thatch Health Employer onboarding sessions API
  description: 'Employers onboard into a platform through

    employer onboarding sessions. After creating a session, provide the `claim_url` to the

    onboarding iframe in your app.'
  humanURL: https://docs.thatch.com/api/
  baseURL: https://partners.thatchcloud.com/api/partners/v1
  tags:
  - Employer onboarding sessions
  properties:
  - type: OpenAPI
    url: openapi/thatch-health-employer-onboarding-sessions-api-openapi.yml
  - type: Documentation
    url: https://docs.thatch.com/
  - type: APIReference
    url: https://docs.thatch.com/api/
- aid: thatch-health:thatch-health-employers-api
  name: Thatch Health Employers API
  description: 'Platforms onboard employers into Thatch, and have employees

    enrolled in plans.'
  humanURL: https://docs.thatch.com/api/
  baseURL: https://partners.thatchcloud.com/api/partners/v1
  tags:
  - Employers
  properties:
  - type: OpenAPI
    url: openapi/thatch-health-employers-api-openapi.yml
  - type: Documentation
    url: https://docs.thatch.com/
  - type: APIReference
    url: https://docs.thatch.com/api/
- aid: thatch-health:thatch-health-enrollments-api
  name: Thatch Health Enrollments API
  description: Enrollments use member objects to track employee coverage status.
  humanURL: https://docs.thatch.com/api/
  baseURL: https://partners.thatchcloud.com/api/partners/v1
  tags:
  - Enrollment
  tags_raw:
  - Enrollments
  properties:
  - type: OpenAPI
    url: openapi/thatch-health-enrollments-api-openapi.yml
  - type: Documentation
    url: https://docs.thatch.com/
  - type: APIReference
    url: https://docs.thatch.com/api/
- aid: thatch-health:thatch-health-members-api
  name: Thatch Health Members API
  description: 'Members represent employees enrolled in plans. Thatch creates member

    objects automatically, but you can retrieve them (for example, to aid in supporting an enrolled employee.'
  humanURL: https://docs.thatch.com/api/
  baseURL: https://partners.thatchcloud.com/api/partners/v1
  tags:
  - Members
  properties:
  - type: OpenAPI
    url: openapi/thatch-health-members-api-openapi.yml
  - type: Documentation
    url: https://docs.thatch.com/
  - type: APIReference
    url: https://docs.thatch.com/api/
- aid: thatch-health:thatch-health-pay-schedules-api
  name: Thatch Health Pay Schedules API
  description: Pay schedules model the cadence of employee paychecks for the purpose of deduction calculations.
  humanURL: https://docs.thatch.com/api/
  baseURL: https://partners.thatchcloud.com/api/partners/v1
  tags:
  - Pay Schedules
  properties:
  - type: OpenAPI
    url: openapi/thatch-health-pay-schedules-api-openapi.yml
  - type: Documentation
    url: https://docs.thatch.com/
  - type: APIReference
    url: https://docs.thatch.com/api/
common:
- type: Plans
  url: plans/thatch-health-plans-pricing.yml
- type: OpenAPI
  url: openapi/_original/thatch-health-partners-openapi.yml
- type: ErrorCatalog
  url: errors/thatch-health-problem-types.yml
- type: AgenticAccess
  url: agentic-access/thatch-health-agentic-access.yml
- type: CapabilityMap
  url: capabilities/thatch-health-capability-edges.yml
  name: Thatch Health Business Capability Map
- type: Overlay
  url: overlays/thatch-health-platforms-overlay.yaml
- type: TrustCenter
  url: security/thatch-health-trust-center.yml
- type: Website
  url: https://thatch.com/
- type: DeveloperPortal
  url: https://docs.thatch.com/
- type: Documentation
  url: https://docs.thatch.com/
- type: APIReference
  url: https://docs.thatch.com/api/
- type: GettingStarted
  url: https://docs.thatch.com/
- type: Support
  url: https://support.thatch.com/
- type: Blog
  url: https://thatch.com/blog
- type: Pricing
  url: https://thatch.com/pricing
- type: SignUp
  url: https://app.thatch.com/employers/onboarding/welcome/get-started
- type: Login
  url: https://app.thatch.com/magic_link/login
- type: TermsOfService
  url: https://thatch.com/legal/platform-terms
- type: PrivacyPolicy
  url: https://thatch.com/legal/privacy-policy
- type: GitHubOrganization
  url: https://github.com/thatch-health
- type: StatusPage
  url: https://status.thatch.com/
- type: Compliance
  url: https://trust.thatch.com/
- type: Lifecycle
  url: lifecycle/thatch-health-lifecycle.yml
- type: Authentication
  url: authentication/thatch-health-authentication.yml
- type: Conventions
  url: conventions/thatch-health-conventions.yml
- type: Conformance
  url: conformance/thatch-health-conformance.yml
- type: Packages
  url: packages/thatch-health-packages.yml
- type: WellKnown
  url: well-known/thatch-health-well-known.yml
- type: X-MCPServerCandidate
  url: mcp/thatch-health-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/thatch-health-llms.txt
- type: Components
  url: components/thatch-health-components.yml
- type: Sandbox
  url: sandbox/thatch-health-sandbox.yml
- type: DataModel
  url: data-model/thatch-health-data-model.yml
- type: DomainSecurity
  url: security/thatch-health-domain-security.yml
- type: AgentSkill
  url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 21
  pass: local-v1

Thatch Health API — frequently asked questions

Does Thatch Health have an API?

Yes. APIs.io lists 7 APIs from Thatch Health, including Thatch Health Deductions API, Thatch Health Employees API and Thatch Health Employer onboarding sessions API, and 4 more.

Is there an OpenAPI specification for the Thatch Health API?

Yes. APIs.io indexes 7 OpenAPI specifications for Thatch Health, each linked for download from this page.

How do I authenticate with the Thatch Health API?

Thatch Health documents its authentication (apiKey · 1 scheme). The details are profiled on APIs.io as Thatch Health Authentication.

How much does the Thatch Health API cost?

Thatch Health publishes its prices; its Standard (1 - 49 eligible employees) plan is $230/mo per company (example: $45 × 4 employees + $50 compliance fee) as of 2026-10-28. APIs.io lists 2 pricing plans for Thatch Health, with each plan's price, limits and inclusions under Pricing on this page.

Is the Thatch Health API ready for AI agents?

Thatch Health has a Kin Score of 56.8 out of 100 (strong) and an Agent Readiness score of 26.0 (agent-aware), scored by API Evangelist on 2026-11-06.

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