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Learn Why Small Business Healthcare Is Breaking—And How to Fix It

Get the data behind America’s small business health crisis, powered by YouGov PLC research and commissioned by Vitable Health. 

The old model isn’t working. Traditional coverage leaves employees under-cared for and small businesses over-burdened. The 2025 Small Business Benefits Index, powered by YouGov data and commissioned by Vitable Health, shows what it will take to rebuild healthcare around affordability, access, and prevention.

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small business benefits index

What's inside the 2025 index

Healthcare costs are rising faster than wages, and small businesses are reaching a breaking point. The 2025 Small Business Benefits Index reveals how affordability, not availability, is now the defining barrier to care—and how a new generation of benefits can change that.

Drawing on national survey data from employers and employees across industries, this report uncovers where traditional coverage is falling short—and what’s next for small business healthcare.

Key findings

  • Affordability issues

  • Prevention is underused

  • Productivity suffers

  • Employers need change

MEC-2

Affordability, not access, is the issue

4 in 10 small business workers skipped or postponed care last year—not because they couldn’t find it, but because they couldn’t afford it.

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ICHRA-2

Prevention is underused

Only two-thirds of employees had an annual checkup, and fewer than one-third completed recommended screenings. Even with insurance, deductibles and time barriers keep preventive care out of reach.

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DPC-2

Productivity suffers

Between absenteeism and presenteeism, small business employees lose nearly a full workweek of productivity every year.

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Major Medical-2

Employer are ready for change

40% of small business owners are open to models like direct primary care or ICHRA—but they need simplicity and proof that it works.

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Get the Full 2025 Small Business Benefits Index

Fill out the form to access the complete findings from Vitable Health’s nationwide YouGov survey. The report includes data visualizations, key metrics, and insights you can use to inform your next benefits strategy. Learn how affordability, prevention, and innovation are shaping the future of small business healthcare.