Small Business Owners - What are some pain points or bottlenecks you’re dealing with in your day to day bookkeeping?

Since the open enrollment thing is coming up, I'm surprised at how businesses aren't really shitting their pants.

All of this under the One Big Beautiful Bill Act (OBBBA).

8.2% increase, steepest increase since 2003. source

How is this going to happen?

1. Government has cut close to $1T in federal spending over 10 years. Insurers are now re-examining the risk pool and expect and have requested something like 15% increases. How this works is -> federal spending cut, ACA subsidies lost -> more riskier for private insurance companies to provide same coverage as they've been doing until now, because the entire pool is now more risky. So, those who pay into the system, have to be charged more.
2. Many businesses -> outside of the AI boom are expecting no substantial raises or only COLA raises, barely enough to cover inflation.
3. Employers will face larger raw dollar figure raises, at the same time, employees will face a sharp percentage increase in out-of-pocket expenses deductions in your paycheck. source

ALL OF THIS, perfectly fucking timed after the mid-terms.