Farmers Deserve Better Health Insurance: How Private PPO Coverage Can Help When ACA Subsidies Disappear

Farmers Are Carrying America — Who’s Carrying Them?

Last year was one of the toughest in recent memory for America’s farmers.

Falling commodity prices for crops like corn and soybeans, rising input costs for fertilizer, fuel, and seed, and added pressure from tariffs and changes to federal programs left many family farms operating at razor-thin margins — or outright losses. For many, profitability simply wasn’t there.

And now, another blow has landed.

As of the end of December, the enhanced Affordable Care Act (ACA) subsidies that many Americans — including thousands of farmers — relied on to afford health insurance have expired. For families already stretched thin, the sudden spike in health insurance premiums couldn’t have come at a worse time.

When the Safety Net Disappears

For years, many farmers turned to ACA plans because subsidies helped make coverage possible. Without those enhanced subsidies, premiums have jumped significantly — sometimes doubling — while deductibles and out-of-pocket costs remain painfully high.

For self-employed farmers, ranchers, and agricultural business owners, this creates a difficult choice:

• Pay unaffordable premiums

• Accept sky-high deductibles and limited networks

• Or go uninsured and hope for the best

That’s not a real choice. And it’s not fair to the people who literally feed this country.

Farmers Are the Backbone of America — And They Deserve Better Options

At Exodus Benefits, we believe farmers are the backbone of America. You work long hours, take on enormous risk, and keep our nation running — often without the safety nets other professions take for granted.

That’s exactly why we exist.

We specialize in private health insurance solutions designed for self-employed individuals, including farmers, ranchers, and agricultural families who don’t fit neatly into the ACA box.

How Exodus Benefits Helps Farmers Right Now

Unlike ACA plans, private health insurance is not tied to open enrollment windows. If you qualify medically, you can enroll any time of year through one of our licensed agents.

Here’s what sets our solutions apart:

✅ True PPO Coverage

Nationwide networks with the freedom to choose your doctors — no referrals required.

✅ Zero Deductible & Zero Copay Options

Yes, plans exist with $0 deductibles and $0 copays for many services.

✅ Lower Monthly Costs for Many Farmers

Especially for healthy individuals and families who no longer qualify for ACA subsidies.

✅ Multiple Carrier Options

We don’t push one plan — we shop options for you, including:

• Manhattan Life – Affordable Choice

• Blue Cross Blue Shield private PPO solutions

• Dental, Vision & Hearing plans

• Supplemental and Life Insurance protection

✅ White-Glove Service

You don’t call an 800 number. You work with a real agent who understands your livelihood and answers when you call.

Not One-Size-Fits-All. Real Options.

Every farm is different. Every family is different. That’s why Exodus Benefits partners with multiple carriers — so you have options, not ultimatums.

Whether you’re a:

• Multi-generation family farmer

• Independent rancher

• Seasonal agricultural worker

• Farm owner employing others

We help you find coverage that actually fits your life — not a government spreadsheet.

The Bottom Line

Farming is already hard enough.

You shouldn’t have to gamble with your family’s health because premiums went up or subsidies disappeared. There are alternatives — and for many farmers, private health insurance is proving to be a better, more affordable solution.

At Exodus Benefits, we’re here to walk alongside you — every step of the way.

Let’s Find the Right Coverage for You

📞 Talk to a licensed Exodus Benefits agent today

🧾 Compare private PPO options with real benefits

🌾 Coverage available year-round for qualified individuals

Farmers feed America.

We protect the families who make it possible.

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Exodus Benefits

Your White-Glove Health Insurance Broker