With health care subsidies off the table, couple faces 175% premium increase The small-business owners are facing a “subsidy cliff” now that the Senate killed Affordable Care Act tax credits.

Steve and Brenda Horst run a small miniature golf business in Lancaster County that grosses about $100,000 a year. Brenda Horst, 58, is the only full-time employee, so they can’ t purchase health insurance through the business. Barring an unlikely 11th- hour compromise in the deeply fractured Congress, the subsidies will expire at the end of the year.