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Farm Bureau health plans · 2026 guide

Farm Bureau health plans —
what they are, where they’re available, and how they compare.

Farm Bureau health plans are individual health coverage offered through state Farm Bureau organizations. They are not ACA-compliant plans and not Health Shares — they occupy a separate regulatory category that varies significantly by state. This page explains what Farm Bureau plans cover, which states offer them, and how they compare to your other options.

What Farm Bureau plans are

Not ACA plans, not Health Shares — a separate regulatory category

Farm Bureau health plans are offered by state Farm Bureau organizations — agricultural membership associations — to their members. Because Farm Bureau organizations are membership associations rather than insurance companies, their health plans are exempt from many ACA requirements in states that have enacted specific Farm Bureau exemption laws.

This means Farm Bureau plans can exclude pre-existing conditions, charge higher premiums based on health status, offer lower benefit levels, and deny coverage entirely. In exchange, premiums are often significantly lower than ACA benchmark plans — particularly for healthy individuals above the subsidy cliff.

Farm Bureau plans are not Health Shares. They are structured as insurance-like products with defined benefit schedules, typically administered by insurance companies or TPAs. The regulatory treatment and consumer protection level varies significantly by state.

Key limitation — pre-existing conditions
Farm Bureau plans can and do exclude pre-existing conditions. Unlike ACA plans — which are required by federal law to cover pre-existing conditions without exclusions or higher premiums — Farm Bureau plans operate outside the ACA’s guaranteed issue requirement. Applicants with significant health histories may be denied coverage, have specific conditions excluded, or face higher premiums. This is the most important distinction to understand before evaluating a Farm Bureau plan.

Do you need to be a farmer to join?

No. Most state Farm Bureaus offer general membership to any resident — you do not need to own farmland or work in agriculture. Annual membership fees typically run $40–$100/year. The membership requirement is a formality in most cases, not a genuine barrier to access.

Farm Bureau plans at a glance
ACA-compliantNo
Pre-existing conditionsCan be excluded
Health underwritingYes — can deny or rate up
ACA subsidiesNo
ACA minimum essential coverageNo
Membership requiredYes — $40–$100/yr typically
Enrollment timingYear-round (most states)
Typical premium range (healthy)
Individual — age 40$200–$450/mo est.
Family coverage$600–$1,200/mo est.
Premiums vary significantly by state and health status. Applicants with pre-existing conditions may pay more or be denied. Contact your state’s Farm Bureau directly for current rates.
State availability

Farm Bureau health plans are only available in select states

Farm Bureau plans exist only in states where the legislature has enacted specific exemptions allowing the state Farm Bureau to offer health coverage outside the ACA framework. Not all states have done this — and availability, plan structure, and regulatory oversight differ significantly where they do exist.

TexasTexas Farm Bureau — available statewide. One of the largest Farm Bureau health plan programs nationally.
IowaIowa Farm Bureau — long-established program. Administered through Farm Bureau Financial Services (FBFS).
KansasKansas Farm Bureau — available to members statewide.
IndianaIndiana Farm Bureau — available to members. Contact INFB for current plans and rates.
TennesseeTennessee Farm Bureau — available to members statewide.
North CarolinaNC Farm Bureau — available to members statewide.
MississippiMississippi Farm Bureau — available to members statewide.
AlabamaAlabama Farmers Federation — similar structure under a different organization name.
NebraskaNebraska Farm Bureau — available to members statewide.
Not in a Farm Bureau plan state?
If you live outside the states listed above, Farm Bureau health plans are not available to you. Your individual coverage alternatives include ACA plans (with subsidies if income-eligible), Health Shares, direct primary care, and short-term medical insurance. See the coverage options overview for a full comparison of all seven individual coverage types.
How they compare

Farm Bureau plans vs. ACA plans vs. Health Shares

FeatureACA planFarm Bureau planHealth Share
Pre-existing conditionsCovered by lawCan be excludedOften excluded
Health underwritingNone — guaranteed issueYes — can denyYes — can deny
ACA subsidiesYes — income-basedNoNo
Typical monthly cost (healthy, age 40)$532–$661/mo unsubsidized$200–$450/mo est.$150–$350/mo est.
Mental health coverageRequired by lawOften limitedOften limited
Regulated as insuranceYes — DOI + ACAVaries by stateNo — contract law
Enrollment timingNov 1–Jan 15 onlyYear-roundYear-round
ACA minimum essential coverageYesNoNo
When a Farm Bureau plan is worth considering
Farm Bureau plans are most relevant for healthy individuals above the ACA subsidy cliff who live in a Farm Bureau plan state and have no significant pre-existing conditions. The insurance-like benefit schedule provides more defined claims predictability than a Health Share’s voluntary sharing model — while premiums remain lower than unsubsidized ACA benchmarks for healthy applicants.
When to choose something else
Farm Bureau plans are not appropriate for anyone with significant pre-existing conditions — they can exclude, surcharge, or deny. If your income is between 100%–400% FPL, a subsidized ACA plan will almost always cost less. If you are outside a Farm Bureau state, this option does not exist. For guaranteed pre-existing condition coverage with no underwriting, the ACA marketplace is the only individual market option.

How to get a Farm Bureau health plan quote

Farm Bureau plans are sold directly through each state’s Farm Bureau organization — not through healthcare.gov or insurance brokers. Select your state below to go directly to that state’s Farm Bureau health plan page.

Find your state →
Get a quote — by state

Contact your state Farm Bureau directly

Farm Bureau health plans are sold exclusively through each state’s Farm Bureau organization. There is no central marketplace or broker. Click your state below to go directly to the health plan information page for that state’s Farm Bureau.

Note on these links: Farm Bureau health plan URLs change periodically — if a link above does not reach the health plan section directly, search “[State] Farm Bureau health insurance” or call your state Farm Bureau’s main number to reach their health plan department. Farm Bureau membership ($40–$100/year) is required before enrolling in a health plan.
Farm Bureau plans — common questions

Farm Bureau health plans — questions people ask most

Are Farm Bureau health plans real insurance?
In most states, Farm Bureau health plans are structured as insurance-like products administered by licensed insurance companies or TPAs. However, because they are offered through Farm Bureau membership organizations that are exempt from certain ACA requirements, regulatory treatment varies by state. Some states treat them as fully regulated insurance; others treat the Farm Bureau organization itself as exempt from state insurance regulations that would otherwise apply. Consumer protections — particularly around pre-existing conditions and benefit mandates — are weaker than with ACA plans. Contact your state’s Department of Insurance if you have questions about how Farm Bureau plans are regulated in your state.
Can a Farm Bureau plan deny me for a pre-existing condition?
Yes. Unlike ACA plans, Farm Bureau plans can use health underwriting. This means they can deny coverage entirely, exclude specific conditions, or charge higher premiums based on your health history. This is the most significant difference between Farm Bureau plans and ACA plans — and the most important factor for anyone with a significant health history to understand before applying.
Do I need to be a farmer to get a Farm Bureau health plan?
No. Most state Farm Bureaus offer general membership to any resident. Annual membership fees typically run $40–$100/year. You do not need to own farmland or work in agriculture. Check with your state’s Farm Bureau directly to confirm membership eligibility and current dues.
Are Farm Bureau plans ACA minimum essential coverage?
No. Farm Bureau plans are not ACA-compliant and do not count as minimum essential coverage. The ACA individual mandate no longer has a federal penalty (reduced to $0 since 2019), so this is not a financial concern for most people. However, losing a Farm Bureau plan does not trigger an ACA Special Enrollment Period — so if you want to switch to a marketplace plan mid-year, you would need to wait for Open Enrollment (November 1–January 15) unless you have a separate qualifying life event.
How do Farm Bureau plans compare to Health Shares?
Both Farm Bureau plans and Health Shares operate outside the ACA framework, use health underwriting, and exclude pre-existing conditions. The key difference is structure: Farm Bureau plans are insurance-like products with defined benefit schedules, typically administered by licensed entities. Health Shares are voluntary member communities that pool funds to share medical costs — governed by contract law, not insurance regulation. Farm Bureau plans may offer more predictability in claims processing; Health Shares may offer lower premiums for the healthiest members. Neither is appropriate for someone with significant pre-existing conditions who needs guaranteed coverage. See the Health Shares guide for a full explanation.
What states offer Farm Bureau health plans?
Farm Bureau health plans are currently available in Texas, Iowa, Kansas, Indiana, Tennessee, North Carolina, Mississippi, Alabama, and Nebraska — states that have enacted specific legislative exemptions allowing state Farm Bureau organizations to offer health coverage outside the ACA framework. Several of these overlap with the states on this site. If you live in a state not on this list, Farm Bureau plans are not an option for you. Contact your state’s Farm Bureau directly to confirm current availability and plan offerings, as programs can change.
Sources: State Farm Bureau organizations (TX, IA, KS, IN, TN, NC, MS, AL, NE) · KFF — Farm Bureau Health Plans · healthinsurance.org — Farm Bureau Health Plans