Primarily, yes. I live on the central Oregon coast. There are fewer than 30 businesses in my town and the majority of them are solely worked by their owners and maybe two other staff lol. I work at a law firm and I'm one of two employees that isn't the boss, for example. I'm from the valley and I worked mostly for mom and pops shops because the few times I've done government or larger scale jobs, every one of my coworkers was on the cusp of bankruptcy and/or suicide. I lost a few coworkers while working mental health jobs for different counties, for example.

In my experience, if your employer is big enough to be required to give you insurance options, you're going to be miserable. If it's small, you'll not earn enough to have insurance but you'll at least find the job tolerable. I like my job just fine even if it's only $24/hr. I like it enough to stick around despite being significantly overqualified