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The Struggles of Small Businesses in Montana: A Call for Action

As our government begins to reopen and return to what some may call “business as usual,” small business owners across Montana are finding that the reality is far from normal. While some sectors may be returning to stability, we—small business owners—are left confronting escalating health care costs that are putting immense strain on our families and employees.

The Heartbeat of Our Communities

We represent diverse businesses from every corner of Montana, each contributing uniquely to the vibrant tapestry of our communities. Every day, we pour our hearts and souls into our work, fostering the growth and prosperity of the Montana we cherish.

For instance, one of our members runs a gift apparel shop in Uptown Butte, showcasing the rich history and character of our beloved city. Another operates a same-day delivery service that facilitates the transport of urgent supplies throughout Southwest Montana, ensuring critical resources reach those who need them most. Additionally, one of our businesses offers essential mental health care through a reputable local therapy practice, supporting the emotional well-being of individuals in our communities.

Building from the Ground Up

Like numerous small business owners, we’ve built our enterprises from the ground up, providing essential services that sustain both the physical and mental health of our communities. However, without the extension of the enhanced Premium Tax Credits (PTCs), we face an uphill battle that threatens our survival.

Currently, 77,000 Montanans, including many self-employed small business owners, rely on the Affordable Care Act (ACA) to purchase health care. These individuals depend heavily on the enhanced Premium Tax Credits to afford comprehensive coverage that meets the needs of their families. The urgency of the situation cannot be overstated.

The Financial Strain

The surging costs of health care have reached unprecedented levels. For example, one small business owner is grappling with a staggering increase of $1,700 per month for their family’s health plan—an annual hike exceeding $20,000. This kind of burden is not just unsustainable; it has the potential to cripple our businesses and detrimentally affect our families.

The Vital Role of Small Businesses

Small businesses are the lifeblood of Montana’s communities. We actively contribute to local nonprofits and youth sports programs, hire from within our communities, and reinvest in the very places we call home. However, if the enhanced PTCs are not extended and if costs remain high, many businesses will be forced to curtail operations and diminish community support. This could lead to communities that are less vibrant and individuals who are less healthy.

The Dilemma We Face

We now find ourselves in an impossible situation, caught in a dilemma between prioritizing our families’ health and maintaining our businesses. This is a harsh reality that no Montana family or business owner should ever have to endure. While the ACA may not be perfect, this is not the moment for political squabbling. What we need is leadership—representatives who understand the stark realities that small businesses confront and who are prepared to take decisive action.

A Plea for Immediate Action

We strongly urge Senators Steve Daines and Tim Sheehy, and Representatives Ryan Zinke and Troy Downing to expedite the extension of the enhanced Premium Tax Credits. This step is crucial for standing in solidarity with small businesses and families across our great state.

How AI legalese decoder Can Help

In navigating the complexities of health care regulations and tax credits, the AI legalese decoder can be an invaluable resource for small business owners. By simplifying legalese and providing clear interpretations of policies, the AI legalese decoder empowers us to better understand our options regarding health care coverage and tax credits. This tool can assist us in making informed decisions and advocating for the support we need effectively.

Together, let us take a stand for the financial stability and health of our businesses, our families, and our communities.

Lynae and Adam Axelson, Same Day Delivery; Donna Ryngala, Ph.D., Inner Journey Healthcare; Jon Wick, 5518 Design.

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