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Navigating Crop Insurance in 2026

Feb 18, 2026

Navigating crop insurance is a complex process for farmers, especially as the March 15 deadline approaches. Staying up to date on changes and updates is essential for making informed decisions that best support operations. In 2026, several new considerations and opportunities arise, making it important to consult a crop insurance professional and carefully review options. 

One of the primary topics for the 2026 crop insurance cycle is the increase in government subsidies. Producers with Multi-Peril Crop Insurance (MPCI) coverage will see subsidy increases of 3% to 5%, depending on the unit structure and coverage level. Additionally, options such as Supplemental Coverage Option (SCO), Enhanced Coverage Option (ECO), and Margin Coverage Option (MCO) have experienced notable increases in subsidies, now reaching up to 80%. Previously, these options were subsidized at 44% in 2023 and 65% in 2024. These enhancements have made premiums for these coverage options significantly more affordable, expanding access for producers. 

Starting in 2026, farmers can pair the Supplemental Coverage Option (SCO) with Agriculture Risk Coverage (ARC) in the same year. In past years, SCO could only be used with Price Loss Coverage (PLC). This change gives farms that prefer ARC coverage increased flexibility, allowing them to select the insurance options that best suit their needs. 

Recent legislation included in the OBBB Act has allocated an additional 30 million base acres nationwide. While not all farmers will be able to add base acres due to acreage limits and prioritization rules, those who qualify may be able to increase their base acres within the allocated total. This change presents new opportunities for eligible producers.  Reach out to your Producer Ag Crop Insurance Specialist for more information. 

The Beginning Farmer and Rancher Programs have been expanded to provide increased crop insurance subsidies for up to 10 years, extended from the previous 5-year term. The subsidy structure is tiered: 15% for years 1-2, 13% for year 3, 11% for year 4, and 10% for years 5-10. These benefits offer additional support to new producers as they establish their operations.

Article provided by Stephen Floyd, Crop Insurance Manager

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