Main Street in the Wisconsin community of Cambridge. (Photo by Henry Redman/Wisconsin Examiner)

As we begin our seventh year as a carwash marketing agency in Wisconsin, we’re daily confronted with challenges like scaling, taking on investors and staying competitive in a saturated market. Yet consistently the toughest issue to navigate has been how to approach health care for our employees amid national uncertainty.

Since health care is largely tied to employment, one of our earliest priorities was to make sure that we could be in a position to offer affordable, comprehensive coverage to our employees. And here we are, a few years later, still unable to swing it.

With the current federal administration and the recent passage of the One Big Beautiful Bill Act (OBBBA, as we go forward, for brevity and so I don’t need to use those words together), our lofty goal of offering the most basic benefits to our employees seems more of a pipe dream than ever. While we wait for the tax breaks that are promised to trickle down from the top earners who benefit most,  we’re facing a very near-term future of funding cuts and even higher daily costs — and in the realm of health care, an uncertain few months of even higher premiums and more difficult access to basic care. Our Republican representatives are still parading the passage of the OBBBA as a win, but when it comes to the reality of the tax breaks and subsidies that are set to expire within the next few months, the silence from our Republican reps is deafening.

The OBBBA does offer tax breaks and incentives, but outside of a few breaks on  large equipment purchases in our industry, neither our customers, who are mostly small, mom and pop operators, nor we will see any benefit. We’re not in a position to fully depreciate the purchase of a private jet. In fact, because of the OBBBA and  the economic instability associated with tariff threats, we’re now facing the potential of our first year of non-growth.

As small business owners in Wisconsin, we’re watching the numbers come out on the OBBBA and realizing just how uneven this deal really is. More than 70% of the tax breaks will go to the wealthiest one-fifth of households, while the middle class gets just 10%. Here in Wisconsin, the top 1% of earners will walk away with average breaks close to $70,000. For families making under $80,000 a year, the break is less than $1,600.

When we weigh the minimal tax breaks we may see against the drastic losses in support, it’s clear this law shifts the burden onto families, state budgets and small businesses already at their limit. Medicaid cuts, in particular, threaten jobs, health care access and community well-being. The OBBBA is hailed as a win, but truly, it undermines our efforts to provide for our employees and community.

On health care, we’re coming up to a harsh deadline — the lapse of premium tax credits for the Affordable Care Act, an action propagated entirely by Republican lawmakers. With 90% of Americans relying on these subsidies to make coverage affordable, we’re looking at sharp increases in premiums. As a family, we’re already paying nearly $900 per month for non-substantial coverage. This is nearly the cost of our mortgage for coverage that does nothing of the sort — our out-of-pocket payments are ridiculous.

Already, insurance providers are pulling out of key markets in Wisconsin as it is no longer profitable to serve certain areas of the state. How are Wisconsinites supposed to counter this? How do people survive when premiums rise so high, it’s more cost-effective to gamble with one’s health rather than pay rates for coverage that only really serve to prevent complete financial catastrophe after one gets sick?

Ultimately, as small business owners, we can easily see the ripples from the OBBBA and the lapsing of ACA tax credits.

• Premiums will continue to rise to untenable levels.
• Businesses and individuals will have less money to spend.
• Entrepreneurship will stall due to more hesitation to give up benefits in corporate environments.

This legislation does not help small business owners, Wisconsinites, or working families — nor does it promote a healthy local economy. Instead, it burdens those already struggling while directing gains to the top. The damaging effects of these policies will only become more obvious as the new law  unfolds.