
Last year was a tough one for farmers. Amid falling prices for commodity crops such as corn and soybeans, rising input costs for supplies like fertilizer and seeds, as well as the Trump tariffs and the dismantling of USAID, many farms weren’t profitable last year.
And now, the enhanced Affordable Care Act subsidies that many Americans, including farmers, relied on to purchase health insurance are gone, having expired at the end of December.
James Davis, 55, who grows cotton, soybeans, and corn in northern Louisiana, said he didn’t know how he and his wife would afford coverage. Their share of their insurance premium quadrupled for 2026, jumping to about $2,700 a month.
“You can’t afford it,” Davis said. “Bottom line. There’s nothing to discuss. You can’t afford it without the subsidies.”
More than a quarter of the agricultural workforce purchases health insurance through the individual marketplace, according to an analysis from KFF, a health information nonprofit that includes KFF Health News.
That 27% rate is much higher than the overall population’s — only 6% of U.S. adults have non-group coverage.
Farmers are used to facing challenges such as unpredictable weather and fluctuating commodity prices. But the loss of the enhanced subsidies, coupled with challenging economic conditions, will make coverage unaffordable for many.
Without major intervention from Washington, farmers say they’ll have to choose between being uninsured or leaving the farm work behind for a job that offers health insurance.
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