Thatch

Thatch is a health benefits company that helps businesses offer personalized health insurance through an ICHRA (Individual Coverage Health Reimbursement Arrangement) plus a Thatch Visa spend card. Its developer product, Thatch for Platforms, is a set of REST APIs and embeddable JavaScript components that let partners (payroll, HR, and SMB platforms) bring ICHRA benefits into their own applications: create employers, manage employees, run a hosted employer onboarding flow, track enrollments and members, model pay schedules, and pull monthly payroll deductions. The API is partner-gated, authenticates with a Bearer API key, and is documented at docs.thatch.com. Thatch is backed by a16z, General Catalyst, GV, Index Ventures, and Lux Capital.

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

Thatch’s developer surface includes documentation, API reference, getting-started guide, authentication, engineering blog, pricing, and 21 more developer resources.

🌐 Visit website 📡 Source on GitHub
51.2/100 developing ▬ flat Agent 69/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
7 APIs 1 MCP Servers
Health InsuranceHealth BenefitsICHRAEmployee BenefitsPayrollInsuranceFintechEmbedded FinanceCompany

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 51.2/100 · developing
Contract Quality 14.6 / 25
Developer Ergonomics 12.6 / 20
Commercial Clarity 9.5 / 20
Operational Transparency 2.1 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 69/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/thatch: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 7

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

Thatch Deductions API

Payroll deductions track the costs of plan premiums to employees.

Thatch 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 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 Employers API

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

Thatch Enrollments API

Enrollments use member objects to track employee coverage status.

Thatch Members API

Members represent employees enrolled in plans.

Thatch Pay Schedules API

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

Scroll for all 7

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

thatch-mcp.yml

MCP SERVER

Security Posture 3

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

Thatch Authentication

http · 1 scheme

SECURITY

Thatch Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Thatch Trust Center

SOC 2

SECURITY

Agentic Access 1

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

Thatch Agentic Access

19 operations · 8 acting

19 operations · 8 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted

Documentation 3

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference
 OpenAPI
OpenAPI

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 MCPServer
MCPServer
 AgentSkill
AgentSkill
 WellKnown
WellKnown
 LLMsTxt
LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 DataModel
DataModel
 Lifecycle
Lifecycle
 Conformance
Conformance
 Components
Components

Access & Security 4

Authentication, authorization, and security posture

Authentication
Authentication
 Compliance
Compliance
 TrustCenter
TrustCenter
 DomainSecurity
DomainSecurity

Operate 1

Status, limits, changes, and where to get help

StatusPage
StatusPage

Commercial 3

Pricing, plans, and the legal terms of use

Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Blog
Blog
 Website
Website

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: thatch
name: Thatch
description: 'Thatch is a health benefits company that helps businesses offer personalized health insurance through an ICHRA
  (Individual Coverage Health Reimbursement Arrangement) plus a Thatch Visa spend card. Its developer product, Thatch for
  Platforms, is a set of REST APIs and embeddable JavaScript components that let partners (payroll, HR, and SMB platforms)
  bring ICHRA benefits into their own applications: create employers, manage employees, run a hosted employer onboarding flow,
  track enrollments and members, model pay schedules, and pull monthly payroll deductions. The API is partner-gated, authenticates
  with a Bearer API key, and is documented at docs.thatch.com. Thatch is backed by a16z, General Catalyst, GV, Index Ventures,
  and Lux Capital.'
url: https://raw.githubusercontent.com/api-evangelist/thatch/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- general-catalyst
- gv
- index-ventures
- lux-capital
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
image: https://thatch.com/opengraph/thatch-main.png
tags:
- Health Insurance
- Health Benefits
- ICHRA
- Employee Benefits
- Payroll
- Insurance
- Fintech
- Embedded Finance
- Company
apis:
- aid: thatch:thatch-deductions-api
  name: Thatch 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-deductions-api-openapi.yml
  - type: Documentation
    url: https://docs.thatch.com/
  - type: APIReference
    url: https://docs.thatch.com/api/
  - type: GettingStarted
    url: https://docs.thatch.com/
- aid: thatch:thatch-employees-api
  name: Thatch 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-employees-api-openapi.yml
  - type: Documentation
    url: https://docs.thatch.com/
  - type: APIReference
    url: https://docs.thatch.com/api/
  - type: GettingStarted
    url: https://docs.thatch.com/
- aid: thatch:thatch-employer-onboarding-sessions-api
  name: Thatch 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-employer-onboarding-sessions-api-openapi.yml
  - type: Documentation
    url: https://docs.thatch.com/
  - type: APIReference
    url: https://docs.thatch.com/api/
  - type: GettingStarted
    url: https://docs.thatch.com/
- aid: thatch:thatch-employers-api
  name: Thatch 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-employers-api-openapi.yml
  - type: Documentation
    url: https://docs.thatch.com/
  - type: APIReference
    url: https://docs.thatch.com/api/
  - type: GettingStarted
    url: https://docs.thatch.com/
- aid: thatch:thatch-enrollments-api
  name: Thatch 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:
  - Enrollments
  properties:
  - type: OpenAPI
    url: openapi/thatch-enrollments-api-openapi.yml
  - type: Documentation
    url: https://docs.thatch.com/
  - type: APIReference
    url: https://docs.thatch.com/api/
  - type: GettingStarted
    url: https://docs.thatch.com/
- aid: thatch:thatch-members-api
  name: Thatch Members API
  description: Members represent employees enrolled in plans.
  humanURL: https://docs.thatch.com/api/
  baseURL: https://partners.thatchcloud.com/api/partners/v1
  tags:
  - Members
  properties:
  - type: OpenAPI
    url: openapi/thatch-members-api-openapi.yml
  - type: Documentation
    url: https://docs.thatch.com/
  - type: APIReference
    url: https://docs.thatch.com/api/
  - type: GettingStarted
    url: https://docs.thatch.com/
- aid: thatch:thatch-pay-schedules-api
  name: Thatch 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-pay-schedules-api-openapi.yml
  - type: Documentation
    url: https://docs.thatch.com/
  - type: APIReference
    url: https://docs.thatch.com/api/
  - type: GettingStarted
    url: https://docs.thatch.com/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- 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: OpenAPI
  url: openapi/thatch-partners-openapi.yml
- type: Overlay
  url: overlays/thatch-partners-overlay.yaml
- type: Authentication
  url: authentication/thatch-authentication.yml
- type: Conventions
  url: conventions/thatch-conventions.yml
- type: ErrorCatalog
  url: errors/thatch-problem-types.yml
- type: DataModel
  url: data-model/thatch-data-model.yml
- type: Lifecycle
  url: lifecycle/thatch-lifecycle.yml
- type: StatusPage
  url: https://status.thatch.com
- type: Conformance
  url: conformance/thatch-conformance.yml
- type: Compliance
  url: https://trust.thatch.com/
- type: TrustCenter
  url: security/thatch-trust-center.yml
- type: DomainSecurity
  url: security/thatch-domain-security.yml
- type: AgenticAccess
  url: agentic-access/thatch-agentic-access.yml
- type: MCPServer
  url: mcp/thatch-mcp.yml
- type: AgentSkill
  url: skills/thatch-onboard-employer.md
- type: Components
  url: components/thatch-components.yml
- type: WellKnown
  url: well-known/thatch-well-known.yml
- type: LLMsTxt
  url: llms/thatch-llms.txt
- type: Blog
  url: https://thatch.com/blog
- type: Pricing
  url: https://thatch.com/pricing
- type: TermsOfService
  url: https://thatch.com/terms
- type: PrivacyPolicy
  url: https://thatch.com/privacy
- type: Website
  url: https://thatch.com
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 16
  pass: local-v1