Software Engineer: Full Stack

About Thatch

For most people, health insurance is something that happens to them: a plan chosen by someone else, with little room to fit their life. Thatch is changing that. We help companies give every employee a real healthcare budget instead of a one-size-fits-all plan, so people can choose the coverage and care that works for them, and employers get predictable costs they can control.

It’s a simple idea, but making it real means solving hard problems across healthcare, payments, and technology, and we’re just getting started. We look for people who like solving complex problems, use good judgment, and are comfortable working through ambiguity. People here care deeply about our customers, take real responsibility for what gets built, and are driven by doing work that matters.

About the role

Thatch is rewiring how health benefits work. We build software that powers employer-funded coverage and gives employees real control over how they use their benefits.

We’re looking for a Full Stack Software Engineer to own broad product surfaces, from concept to production. You’ll build across the frontend and backend systems that power onboarding, benefits management, and payments. This work touches real money and real healthcare decisions. Correctness and reliability matter, but so does making the experience feel simple for the people using it.

We organize engineering around the people we serve: members, employers, and partners, so teams own end-to-end experiences and ship with speed and accountability.

What you'll do

• Take ownership of meaningful product areas from idea through production.
• Ship quickly, but never at the expense of correctness or long-term maintainability.
• Contribute across the stack, from user-facing interfaces to backend services.
• Translate real user and business needs into clear, pragmatic technical solutions.
• Set and uphold a high bar for code quality, system design, and product polish.
• Take responsibility for production systems, including reliability, debugging, and continuous improvement. 

What we are looking for

• Experience building and shipping production web applications across the stack.
• Strong product judgment and comfort working through ambiguity.
• Ability to reason about complex systems and business logic.
• Familiarity with modern engineering tools and frameworks.
• A track record of ownership, cross-functional collaboration, and good technical decision-making.

We hire engineers across multiple levels and care most about the scope you’ve owned, the impact you’ve had, and how you make decisions.

Tools and tech stack

• Ruby on Rails for backend systems.
• React and TailwindCSS for the frontend.
• Small amounts of Python and backend JavaScript where appropriate. 

Prior Ruby experience is helpful but not required. We care far more about how you think than which language you know.

Experience that stands out

• Work in healthcare, finance, or other complex or regulated domains.
• Experience with HR, payroll, payments, or partner-facing systems.
• Ownership of systems with real operational or financial impact.

How we work

• We move quickly and bias toward action.
• We ship early, learn from real usage, and iterate.
• We operate with trust, ownership, and high empathy.
• We value clarity over ceremony and quality over shortcuts.

What to expect

We aim to keep the process thoughtful, rigorous, and efficient. Most candidates complete it within three weeks. You can expect:

• An initial conversation with a recruiter.
• A collaborative pair programming session.
• A systems design interview and a separate conversation with one of our engineers about how we work together.
• A final conversation with engineering and company leadership.

Estimated Compensation Range$161,000—$230,000 USD