Thatch vs. Take Command: Technology matters. Expertise matters more.

Choosing an ICHRA administrator isn't just choosing software. You’re choosing a partner for health benefits compliance, employee enrollment, broker support, and insurance carrier relationships. It’s one of the largest benefits decisions your company will ever make.

While Thatch and Take Command both administer ICHRAs, they have very different backgrounds. Thatch approaches ICHRA from a fintech perspective, and Take Command was built by health insurance experts with 60+ years of industry expertise.

If you're evaluating Thatch and Take Command, here's how the two companies compare.

Compare Thatch to Take Command for HRA experience and expertise

Why employers choose Take Command

Take Command delivers the best employee insurance experience on a budget you control

• Deep HRA experience

• Pioneer in the ICHRA market

• Dedicated employee support team

• Trusted by brokers nationwide

• Deep insurance carrier relationships

• Trusted by employers nationwide

• Purpose-built exclusively for HRA administration

How Lycoming College saved $1.4 million on health benefits with ICHRA

Home health provider used ICHRA to deliver 96% employee satisfaction

For Brokers Evaluating Take Command vs. Thatch

ICHRA guidelines are set by law. But ICHRA administration? It’s an open playing field.

Take Command supports brokers in taking care of their clients and their book of business by offering:

• ICHRA education and training

• Renewal planning support

• Compliance expertise

• Dedicated partner resources

• Lead gen guidance

• Employee enrollment assistance

Benefits blueprint: What brokers say about working with Take Command

Take Command’s prospecting guide for broker lead gen

Be picky when choosing your ICHRA vendor

The Take Command vs. Thatch verdict

Flashy dashboards look great in a software demo. But health insurance isn’t just a payment transaction, it’s about caring about clients and their employees.

Take Command is a health-first institution. Our company is grounded in experience and customer care. We were first to market, and we’ve built our presence in the ICRHA space with thoughtful consideration.

If you’re interested in partnering with us, connect with an expert, and we’ll walk you through everything you need to know.

Connect with an expert

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"We had a lot of trouble with our first administrator...we felt like the service [with Take Command] would be a lot more streamlined and the payment system we believed would be much better—and it was."

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ICHRA for brokers

ICHRA guidelines are set by law. But ICHRA administration? It’s an open playing field. Be picky when choosing your ICHRA vendor.

ICHRA for brokers

Frequently Asked Questions

1. What is the core expertise of Take Command and Thatch?

Take Command and Thatch are both ICRHRA administrators, but they have very different origins; Thatch is grounded in fintech , and Take Command was founded  for the express purpose of providing ICHRA health benefits.

2. How do Take Command and Thatch compare for  employee health plan choices?

• Thatch offers health insurance plans purchased from their partner insurance carriers ("off-exchange plans").

• Take Command offers all available plans through Healthcare.gov and state marketplaces, plus off-exchange plans, regardless of carrier relationship.

3. What customer service and enrollment support do Thatch and Take Command offer?

Thatch primarily relies on tech-driven guidance, chatbots, and help desk tickets. Take Command combines 24/7 AI-powered support with human advisors and advocates.

4. Are there add-on fees for Thatch or Take Command?

Take Command has all-inclusive pricing for both clients and brokers. Thatch's pricing structure includes a base fee plus required compliance fees and minimum monthly fees.

5. How do Thatch and Take Command handle compliance?

Because ICHRA guidelines are regulated by law, compliance is a very important consideration. Thatch uses automated legal templates, and Take Command has a compliance monitor built into their platform plus a compliance team. It’s also worth noting that Take Command founder, Jack Hooper, directly consulted on federal legislation to create ICHRA.