Protect Main Street: Extend ACA Tax Credits and Keep Healthcare Affordable for Small Businesses

December 9, 2025


Protect Main Street: Extend ACA Tax Credits and Keep Healthcare Affordable for Small Businesses


Small businesses are the backbone of the American economy, representing 99.9% of all U.S. businesses and employing nearly half of the private workforce. We are the engine of innovation, job creation, and economic growth that sustains communities nationwide.


As network members of Small Business for America's Future, we speak for small business owners across the country facing an unprecedented healthcare affordability crisis. Affordable Care Act (ACA) tax credits—relied on by roughly 5 million small business owners–are set to expire on December 31. Without immediate Congressional action, the consequences will cause severe financial strain threatening our stability and growth.


Recent Small Business for America's Future survey data reveals the overwhelming support for the ACA tax credits among small business owners and the devastating impact on small businesses if these tax credits at the end of the year:

  • 87% want Congress to make them permanent
  • 84% are concerned about their ability to afford healthcare if the credits expire
  • More than a third (35%) would face severe financial strains threatening their operations


When healthcare costs spike, small businesses lose their competitive edge. Unlike large corporations with deep resources, we operate on thin margins. We cannot absorb sudden cost increases without cutting jobs, raising prices, or losing valued employees to large companies offering better benefits. 


This crisis compounds existing pressures—tariffs, inflation, and a tax system that favors the wealthy. Congress passed H.R. 1, delivering $2+ trillion in tax cuts to corporations and the wealthy, while failing to extend ACA tax credits and slashing nearly $1 trillion from Medicaid. These policies create a two-tiered economy that boosts big business, and gives Main Street scraps leaving us vulnerable and struggling to survive.


Consider the real impact on small businesses across America:

  • A Missouri government contract business owner's health monthly premiums will spike to $700 from $129 on January 1st. She has a number of health conditions and is considering getting a part-time job or closing her business of 11 years because it's too costly for her to afford monthly premiums for her health insurance without these ACA tax credits that are set to expire. 
  •  A personal finance business owner in North Carolina will pay over $400 more a month on the health insurance marketplace on January 1st. This will divert money she planned to invest and expand her business. 


The success of America's economy depends on the success of its small businesses. We employ your constituents, strengthen local communities, and drive innovation. We are not asking for special treatment—we are asking for fairness and stability. Congress and the Administration must act now to extend ACA tax credits and keep healthcare affordable for small businesses. 


Sincerely, 


Alabama

  • Kingsley Iyobebe, K & S Financial Group, Inc., Montgomery, AL
  • Henry McMullen, Mac BBQ Place, Aliceville, AL

Arizona

  • Jonathan Eagan, Copper City Spirits, Phoenix, AZ
  • Gabe Hagen, Brick Road Community Corporation, Tempe, AZ
  • Melissa Harlan, Drink Me! Tea Room, Tempe, AZ
  • Timothy Lewis, OPR LLC, Cave Creek, AZ
  • Richard Snyder, KirbyDerby LLC, Tucson, AZ

California

  • Matthew Aarsvold, Qx Acquisition Corp., Laguna Beach, CA
  • Nii-Laaye Abbey, Nijan Group, Los Angeles, CA
  • Allison Allain, Plumb Crazy Inc., Monrovia, CA
  • Michael Brown, Cantara Cellars, Flat Fish Brewing Company, Camarillo, CA
  • Jay Chansky, Economic Packaging Corp, Newark, CA
  • Anna Chavez, Vez Guitar Academy, Los Angeles, CA
  • Jim Dobyns, NXTGEN Signs, Carlsbad, CA
  • Genee Farr, Costello Solutions LLC, Los Angeles, CA
  • Rebecca Gardiner, VIB Network, San Diego, CA
  • Wilton Guevara, La Salsa Fresh Mexican Grill-Sanbrunollc, San Bruno, CA
  • Alan Irvine, Scott's Sacramento River Inc. , Sacramento, CA
  • Sherman Tan King, Better Housing Policies, San Francisco, CA
  • Denise Lee, Snapology, Pleasant Hill, CA
  • Patricia McFall, Poppyfield FCCH, Cameron Park, CA
  • Shery Mendoza, Bulacan Bakeshop & Catering, Los Angeles, CA
  • Engret Moore, Oakland Annex, Oakland, CA
  • Athena Naranjo, Genesis Programs Inc., Ventura, CA
  • Andrea Ruth, ALR Consulting, LLC, Pacifica, CA
  • Erin Sullivan, HHDL of Santa Cruz DBA Innovative Care Advocates, Watsonville, CA
  • Marcia Whitfield, Clean Food Delivered, North Hollywood, CA
  • Orion Zemene, Fresh Brand Foods LLC, San Jose, CA

Colorado

  • Bayard Heroy, COHS Financial Services Inc dba H & R Block, Durango, CO
  • Craig Jacobs, Prism Specialties of Colorado, Parker, CO
  • Mark Lopez, MDLI Services Inc., Arvada, CO
  • Tree Sorrells, Alpine Remediation, Inc., Golden, CO
  • Masaru Torito, Kokoro Restaurant, Arvada, CO

Delaware 

  • James Boyd, 4 Shore Inc., Millsboro, DE

District of Columbia

  • Yankee M Butte, Surplus Recovery Org, Washington, DC

Florida

  • Corneille Chevalier, Lord & Chevalier, Jacksonville, FL
  • Matthias Joesil, Alien94 LLC, Jacksonville, FL
  • Holly Jones, Clearwater, FL
  • Bonnie Mclean, Spirit Gate Medicine, Pensacola, FL
  • Sergey Nikitin, Emarine LLC, Fort Lauderdale, FL
  • Evelyn Pitts, BBG Concrete & Finishing Inc., Deland, FL
  • Teresa Roberson, The Rene Roberson, Holiday, FL
  • Marcela Roggenburg, Marcela Roggenburg LLC DBA Safety Matters, Deerfield Beach, FL
  • David Strickland II, Strickland Supplies Inc., Jacksonville, FL

Georgia

  • Patrick Brown, Sierra International LLC, Conyers, GA
  • André Cross, Atlanta, GA
  • Katrina Golden, Lil Mama's Sweets and Treats, Grovetown, GA
  • Shandra Grace, Air Hair Salon, Grovetown, GA
  • Michelle Murdock, Core Green Technologies, Suwanee, GA
  • Roberto Perez, Woodchip Art in Wood, Ringgold, GA
  • Richard Stone, SamRos Enterprises Inc., Waynesboro, GA
  • Dr. Angelica Thompson, Data Works Inc., Savannah, GA
  • Steven Williams, Atlanta Outsourced Service Professionals, Powder Springs, GA
  • Sandra Wills, The Graphics House LLC, Atlanta, GA
  • Diana Wilson, Blue Moon Risings LLC, Sparta, GA

Idaho

  • David Feller, Boise Networks, Meridian, ID
  • Marcella Medor, MarCom LLC, Idaho Falls, ID

Illinois

  • Dyann Berndt, Dyann L. Berndt CSR, RPR, Berwyn, IL
  • Sue Harrawood, Peace of Mind Virtual Assistance, North Aurora, IL
  • Stuart Hermodson, Dini's Ice Cream Shoppe LLC, Medinah, IL
  • Eunice Miller Muhammad, Shifa Living PLLC, Villa Park, IL
  • Maxine Mitchell, Applied Real Estate Analysis (AREA) Inc., Chicago, IL
  • Paul Edward Montador, The Scotsman's Kitchen & Bakery, Urbana, IL
  • Nancy Nancy, Ergonomic Solutions Inc., Round Lake, IL
  • Nat Rosasco, Olive Street Design LLC, Villa Park, IL

Indiana

  • Jessica Branik, Nursing Shoutouts, Hammond, IN

Louisiana

  • Roger Jones Jr, Jones Kingdom Kids Daycare and Learning Center, New Orleans, LA

Maine

  • Paul Dupuis, Researchware Inc., Randolph, MA
  • Sondra Fabiano, Fabiano Oil Corp., Wrentham, MA
  • Legrand Lindor, LMI Textiles, Milton, MA
  • Christopher Schaffner, The Green Engineer Inc., Concord, MA
  • Douglas Scheffel, Sajawi Corporation, Littleton, MA
  • Steven Weissman, Westborough, MA

Maryland

  • John Carter, Mission Baking LLC, Baltimore, MD
  • Kimberlee Driggs, D2 LLC DBA: D2 Sitework, Rockville, MD
  • Connie Mazur, CyberVillage Networkers Inc., Ellicott City, MD
  • Simson Paul, Mister Organic Cafe, Hagerstown, MD
  • Joe Reddix, The Reddix Group, Hanover, MD

Michigan

  • Johnnie Edward Bellows, Aura Company LLC, Ann Arbor, MI
  • Marja Farrow, Farrow Group Inc, Detroit, MI
  • Paula Guthat, Cinema Detroit, Harper Woods, MI
  • Carrin Harris, Blitz Proto, Farmington Hills, MI
  • Carol Huls, DittoForm Michigan LLC, Huntington Woods, MI
  • De Lorenco Jackson, Damajha Systems, Lawton, MI
  • Karen Kloska, AWCCO USA Inc., Romeo, MI
  • Ron Kurnik, Superior Coffee Roasting Co. Inc., Sault Sainte Marie, MI
  • Troy Morris, Kall Morris Inc, Marquette, MI
  • Gary Ringer, Eco-Environmental Solutions, Redford, MI

Minnesota

  • Jay Clark, Peace of Mind Counseling, La Crescent, MN
  • Leila Janikamalvand, Leila's Brow Art LLC, Minneapolis, MN
  • Timothy O’Brien, Green Mikl Reataurant and bar, Saint Paul, MN
  • Kari O’Brien, River Shore Catering, Hastings, MN
  • Eric Saksa, Union Optical, Duluth, MN
  • Garrick Villaume, Physical Systems Inc., South Saint Paul, MN

Missouri

  • Kerri VanMeveren, Amazing Traditions LLC, Cleveland, MO

Mississippi

  • Barbara Coatney, Time Touch Take LLC, Waveland, MS

Nebraska 

  • Gladys Harrison, Big Mama's Kitchen & Catering Inc., Omaha, NE

New Jersey

  • Charles Jerome do Francis, Guybarb Health & Wellness Medical Services, Jackson, NJ
  • Patrick Jjemba, DE & P Technical Services LLC, Marlton, NJ
  • Brian Kaplowitz, MAK Solutions LLC, Bridgewater, NJ
  • Michael Menz, IEC, Runnemede, NJ
  • Trent Oliver, Blue Telescope  Laboratories Ltd, Maplewood, NJ

North Carolina

  • Ja'Net Adams, EMACK Consulting LLC, Kernersville, NC
  • Jerome Bell Sr, RAJJ Investment Properties Inc., Fayetteville, NC
  • Manley Bradshaw, Fun Cycles Inc. , Valdese, NC
  • Ray Forrest, Difference Driven, Mooresville, NC
  • Steven Gianquinto, The Window Shade and Shutter, Huntersville, NC
  • Latoya Parker, INNERGY Educational Consulting Company LLC, , NC
  • Ommeni Richardson, Elizabeth City, NC
  • Debra Talley, TalleyUp Accounting & Financial Services LLC, Henderson, NC
  • Mel Wright, The Wright Village, Raleigh, NC

Nevada

  • Jenay Aiksnoras, Lake Tahoe Yoga & Bliss Experiences, Stateline, NV
  • Tonda Benge, Professional Dog Mom LLC, Stateline, NV
  • Adero Fleming, 3rd Eye Productions, Las Vegas, NV
  • Shaundell Newsome, Sumnu Marketing, Las Vegas, NV
  • Effie Patterson, Clean Cut & Trimmed, Las Vegas, NV
  • Eve Storm, Start PAC LLC, Las Vegas, NV
  • Andrea Vigil, Allegiant Electric LLC, Las Vegas, NV
  • Jack Vosburgh, Vosburgh Ventures LLC, Las Vegas, NV

New York

  • Justine Barda, Telescope Film, Brooklyn, NY
  • Ronald Brownell, Raloid Tool Co Inc., Stillwater, NY
  • David Dodds, Dodds & Associates LLC, Manlius, NY
  • Efrain Gorre Efrain Gorre, Continental Trading and Services, Syosset, NY
  • Michael Gilly, Clean Up Your Books, Corning, NY
  • Ricky Gordon, Deeds Not Words LLC, Brooklyn, NY
  • Patrick Hall, Élan Flowers, New York, NY
  • Carolyn Harvey, All God's Promises, Brooklyn, NY
  • Henrietta M Kwateng, Mail N' Parcel Inc., Nanuet, NY
  • Jovino Morales, Lafayette Services Inc., Buffalo, NY
  • Olu Olojede, Jedol Associates Inc., West Hempstead, NY
  • Jane Parmel, Cardinal Profit Strategies, Rockaway Park, NY
  • Liliana Petrova, The Petrova Experience LLC, Brooklyn, NY
  • Srinivasan Rangarajan, Boomi Environmental LLC, New York, NY

Ohio 

  • Tim DeHart, Triple A Pro Services, Franklin, OH
  • Chris Fluharty, Fluharty Construction, Mentor, OH
  • Todd Hamblin, Global Aerospace Design Corp, Cincinnati, OH
  • Lois Jones-Ellis, Jones Rehab Inc., Canton, OH
  • John Keller, Manning & Associates CPAs LLC, Dayton, OH
  • Anne Zimmerman, Zimmerman & Co CPAs, Cincinnati, OH

Oregon

  • Aimee Iverson, Iverson-Miller Audio Productions LLC , Portland, OR
  • Lillian Stevenson, Berrien Concrete LLC, Salem, OR

Oklahoma 

  • Karen Kemper, BlueMoon Gliders, Afton, OK
  • Rose Washington-Jones, Tulsa Economic Development Corporation, Tulsa, OK

Pennsylvania

  • William Belknap, AEONRG LLC, Downingtown, PA
  • Raymond Drago, Drive Systems Technology Inc., Glen Mills, PA
  • Richard Green, Green's Auto Mart Inc., Towanda, PA
  • Walter Rowen , Susquehanna Glass Co., Columbia, PA
  • Lisa Weissbord, William J. Beck & Co., Philadelphia, PA

Puerto Rico

  • Luis Cordero Toledo, Campo Alegre Dairy Inc., Arecibo, PR

South Carolina

  • Cynthia Everette, ABC Locksmiths LLC, Greenville, SC
  • Kelly Shaver, MindCette LLC, Charleston, SC

Tennessee

  • Christine Greenwood, Memphis Southern School of Court Reporting LLC, Memphis, TN
  • Scott Shepherd, Shepherd Fitness LLC, Ooltewah, TN

Texas

  • Ivan Benard, Houston, TX
  • April Blair, Blair Precision & Assoc Inc., Dallas, TX
  • Tess Cahigas, Seniors 2000 Health and Activities Centers, San Antonio, TX
  • Micau Chambless, Precision Assured Manufacturing, Austin, TX
  • Diane Cooper, Self, Azle, TX
  • Coretta Graham, Graham Legal Services, Corpus Christi, TX
  • Jennifer Holm, Challenges and Change PLLC, McAllen, TX
  • Janice Jucker, Three Brothers Bakery, Houston, TX
  • Martin Linares, Linares Machine Services, South Houston, TX
  • Elizabeth Mack, The Thrival Company, Austin, TX
  • Rebecca Melancon, Local Business Institute, Austin, TX
  • Mark Olinger, The Big Bear Group LLC, Pittsburg, TX
  • Adam Orman, L'Oca d'Oro, Austin, TX

Utah

  • William Fisher, Fisher Writing and Editing Services, Salt Lake City, UT
  • Kevin Overby, K&S Plumbing, Salt Lake City, UT

Virginia

  • Robert Jack, BeNimble Consulting LLC, Mineral, VA
  • Carlisle Levine, BLE Solutions LLC, Arlington, VA
  • James Oyler, GEN, Roanoke, VA
  • Jason Smith, Absolute EMC LLC, Manassas Park, VA
  • Ta-Neha Smith, Nehastylzz, Richmond, VA
  • Michelle Whitted, Harmony Business Solutions, Stafford, VA

Washington

  • David Bergeron, Art Works Auto LLC, University Place, WA
  • Jill Nelson, WunderPetz Pet Care, Vancouver, WA
  • Mary Ann Van Dinter, Car Emporium of Spokane, Spokane, WA

West Virginia

  • Dee Nazzaro, Dr. Dee Nazzaro PLLC, Wheeling, WV

Wisconsin

  • Kelly Berry, Learn Start Grow LLC, Altoona, WI
  • Daniel Guerra Jr, Altus Inc., Madison, WI
  • Hugo Ramirez, Frio LLC, Appleton, WI