# Rewiring Healthcare Incentives with ICHRAs (feat. Chris Ellis)

Page: https://stenobird.com/podcast/moving-to-value-unscripted-6695836/rewiring-healthcare-incentives-with-ichras-feat-chris-ellis
Text version: https://stenobird.com/podcast/moving-to-value-unscripted-6695836/rewiring-healthcare-incentives-with-ichras-feat-chris-ellis.md
Podcast: [Moving to Value Unscripted](https://stenobird.com/podcast/moving-to-value-unscripted-6695836)
Published: 2026-01-20T14:35:15+00:00
Episode link: https://podcasters.spotify.com/pod/show/moving-to-value-alliance/episodes/Rewiring-Healthcare-Incentives-with-ICHRAs-feat--Chris-Ellis-e3du4cb
Audio file: https://anchor.fm/s/e7dc0824/podcast/play/114282315/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-0-20%2F416481105-44100-2-d286942488f61.m4a
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JSON: https://stenobird.com/v1/public/podcasts/moving-to-value-unscripted-6695836/episodes/rewiring-healthcare-incentives-with-ichras-feat-chris-ellis
Duration seconds: 2671

## Resource

Are we approaching the "401(k) moment" of health insurance? We're joined by Chris Ellis, co-founder and CEO of Thatch, a platform that helps employers offer personalized healthcare experiences to employees using Individual Coverage Health Reimbursement Arrangements (ICHRAs) . Ellis explains how his team of fintech veterans is leveraging ICHRAs to decouple benefits from the employer-chosen model, allowing employees to use tax-free stipends to purchase plans that fit their lives. By making coverage personal rather than corporate, Thatch is shifting the industry's focus from short-term ROI to long-term prevention and healthcare portability. When individuals have the power to choose, Ellis notes, local health systems can finally compete on quality and efficiency through curated care pathways, finally creating a substrate for the high-value, cost-effective healthcare outcomes the industry has long promised. ________ Sign up for our email list. Thank you to our members who make our work possible! As a 501(c)(3) nonprofit, the Moving to Value Alliance relies on generous supporters to advance our mission of creating a value-based healthcare ecosystem with high-quality health outcomes at a reasonable cost for plan sponsors and their members. Get involved at movingtovalue.org/membership .

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## Transcript

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