Does Farm Bureau membership replace a health plan?
No. Membership may open member medical benefit options in some places, but those are not a substitute for comparing regulated health insurance. We do not sell Farm Bureau plans. Bring any offer you have and we will help you compare.
I hire H-2A workers. Does that change my own coverage?
No. H-2A and other farm-employee rules are about your workers, not your personal or family plan. Your plan is still based on your household and how you earn.
My income is high one year and low the next. What should I guess?
Use a careful estimate for the coverage year ahead, based on contracts, typical yields, and any off-farm pay. If the year turns out differently and you get tax credits, report the change.
I sell at farmers markets and wholesale. What counts?
Both do. Market sales, wholesale invoices, and any crop insurance proceeds you receive as income can all belong in your yearly estimate. Ask your tax pro about your case.
Can I write off my health insurance?
Maybe. If you are self-employed and your business makes a profit, your premiums may be deductible on IRS Form 7206. You can't take it for any month you could get a subsidized job plan, including through a spouse. Ask your tax pro.
Do I have to wait for open enrollment?
For a private plan (not from the Marketplace), you can often apply any time of year. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled. Marketplace plans, and other plans that follow ACA rules, work differently. As of October 14, 2026, under current law, open enrollment for 2027 Marketplace coverage runs from November 1, 2026, through January 15, 2027. A court case about these dates is still on appeal, so check HealthCare.gov. To start coverage January 1, pick a plan by December 15 (the deadline under current law). Outside those dates, you may need a qualifying life event, like losing job-based coverage, or another special enrollment period.
