Small Business Owners: The Full Picture

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Financial Literacy Project

5 min read • Updated June 2026

Small business owners face the most complex set of interactions in this bill. The payroll tax holiday, capital expensing changes, R&D amortization shifts, and new healthcare mandate thresholds all converge in ways that require individualized analysis.

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The Pass-Through Deduction Changes

The Section 199A pass-through deduction is modified significantly. The income threshold for the full deduction is raised to $250,000 (single) and $500,000 (married), but service trade exclusions are tightened.

Core Takeaway

If you operate a specified service business and previously claimed the 199A deduction, consult a CPA immediately. The new rules may require restructuring your business entity before the effective date.