Some things to think about for 2026 Crop Insurance?
March 15 is the deadline to apply for or make any changes to a crop insurance policy.
2026 Brings Changes to Crop Insurance!
Making Crop Insurance More Accessible with Expanded Coverage Options
- Supplemental Coverage Option (SCO) premium support increase from 65% to 80%. Producers can now purchase SCO regardless of their Area Risk Coverage (ARC) or PLC election.
- Enhanced Coverage Option (ECO) also receives the increased 80% in premium support.
- Prevent Plant buy-up has been eliminated. You still have coverage for PP but only at the normal levels.
Historic Improvements to Premium Affordability
The legislation delivers unprecedented improvements to premium support rates across coverage levels and unit structures, with particular emphasis on supporting enterprise and whole farm units. The new premium structure maintains strong support for higher coverage levels while ensuring maximum affordability.
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Premium Subsidy Rates by Coverage Level |
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|---|---|---|---|---|---|---|---|---|
| 50% | 55% | 60% | 65% | 70% | 75% | 80% | 85% | |
| Optional Unit | 67% | 69% | 69% | 64% | 64% | 60% | 51% | 41% |
| Basic Unit | 67% | 69% | 69% | 64% | 64% | 60% | 51% | 41% |
| Enterprise Unit | 80% | 80% | 80% | 80% | 80% | 80% | 71% | 56% |