Washington, D.C. (April 10, 2025) – In a new op-ed in The Center Square, Josselin Castillo, NFIB Principal of Federal Government Relations outlines how the cost of health insurance is unsustainable for small business owners and suggests ways that Congress can deliver relief. 

Castillo writes: 

“Main Street is always resilient, weathering recessions, navigating shifting regulations, and adapting to market disruptions. But today, they are facing a crisis that has been growing for decades – one that threatens their viability and the wellness of the millions of Americans they employ: the crushing cost of health insurance. 

“Health insurance costs have been the No. 1 concern for small business owners for nearly 40 years, and we are now at a breaking point. The small-group insurance market is in freefall, premiums are unsustainable, and small businesses are being forced to make difficult choices. 

“Small businesses are paying more and getting less. Unlike large corporations, small businesses lack the bargaining power to negotiate lower premiums. 

“The result? They pay twice as much for health insurance as big businesses, often without receiving greater quality for the price. 

“And with inflation driving up operational costs across the board, many are forced to make painful choices. Some are raising prices, cutting profits, and too many are dropping coverage altogether making them less competitive when it comes to attracting and retaining talent.” 

NFIB recently published a report entitled, “Addressing the Health Insurance Affordability Crisis for Small Businesses.” The findings reveal a dire prognosis for the small- group market and highlights the top legislative solutions Congress should enact to provide relief.  

Read the full op-ed here. 

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