This story is the second in our Compromised Coverage series, where we explore insurance plans and alternatives and the problems that come with them. Read the first story here.
Farmers have long been at the mercy of seasonal and unpredictable earnings, making health insurance far from straightforward.
One year, they might barely break even and get some financial help with coverage. The next, they might make a hefty profit but find themselves ineligible for any Affordable Care Act (ACA) subsidies.
When the latter happens, their options are to go to the private market, get unsubsidized ACA insurance, rely on a spouse who has insurance through an employer, or go uninsured, Nebraska Farm Bureau Federation Chief Administrator Rob Robertson told Healthcare Brew. In any case, it can be costly for his state farm bureau’s 55,000+ member families.
“[Health costs are] a really big family farm disruptor,” Robertson said.
In 2015, the US Department of Agriculture and Economic Research Service found that nearly 11% of household members across the nation’s 2+ million family farms were uninsured, compared to about 9% of the general population.
Keep reading here.—CC
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