Authors: Bart L. Fischer, Joe L. Outlaw, Henry L. Bryant, Hank R. Nelson, Natalie G. Stewart, J. Marc Raulston, Agricultural and Food Policy Center at Texas A&M University.
The ARC/PLC election & enrollment for 2026 is now live through December 11. You can access AFPC’s decision tool here.
Earlier this week, USDA announced (link) that the Agriculture Risk Coverage (ARC) and Price Loss Coverage (PLC) election and enrollment period for the 2026 crop year will run from September 16 through December 11, 2026. This typically occurs much earlier in the year, but the process for the 2026 crop year was delayed due to the amount of time it has taken USDA to implement the Working Families Tax Cuts Act (i.e., One Big Beautiful Bill) which added up to 30 million acres of additional base acres across the United States. This delay is a substantial benefit for producers, since the 2026 crop either has been or soon will be harvested across the country, and producers will have a much better sense of what yields will be (which has a significant bearing on the performance of ARC in particular). With that said, both ARC and PLC use marketing year average prices from the 12 months following harvest. So, while producers may have a clearer sense of what yields will be, the marketing year average price is far from settled. As a result, when they make their election and enrollment decisions over the next 3 months, they must take that uncertainty into account.
The Agricultural & Food Policy Center (AFPC) at Texas A&M University has decades of experience in developing decision aids for producers. We have provided an annual decision tool for ARC and PLC since those programs were first created in the 2014 Farm Bill. We have once again updated the decision aid for the changes made in the Working Families Tax Cuts Act. We have also refreshed the tool to make it easier to use. If you’ve used it in the past, your existing data should load once you log in. You can find a link to the tool on our website (link). Before using the tool, it would be helpful to make sure you have access to your base acre and program yield data which can be found on the FSA-156EZ form.
The following screen captures provide a general walk-through of the decision tool. You will be prompted to log-in primarily so you don’t have to enter data again each time you visit the tool. Once you are on the Tools and Decision Aids landing page, simply click on “2026 FSA ARC/PLC Expected Payments” (circled in red below).

From that point, you can add as many farms (i.e., FSA Farm Serial Numbers, or FSNs) as needed by clicking on the blue “+ Create a Farm” button.

Once your farms have been added, simply click “+ Add a crop” to add the covered commodities associated with that farm.

Once you’ve added the crops (i.e., covered commodities) on the farm, click “Analyze.”

At this point, you will be prompted to add Base Acres for that covered commodity on the farm along with the 2026 PLC Payment Yield, the Historically Irrigated Percentage, and the Expected Price. Because the marketing year average price is far from known at this point, you are welcome to click on “View Suggested Prices” which will provide the most recent forecasted price for the marketing year from USDA. You are also welcome to run the analysis as many times as you want using your own price estimates. Because this tool evaluates PLC versus ARC County (ARC-CO), if you have a very good sense of what the 2026 actual yield for the county will be, you may wish to override our forecasted yield. You can do that by clicking on “Advanced Settings” and inputting your own county yield estimate. Once you are finished, simply click “Calculate” and then scroll down for the results.

Once you’ve clicked “Calculate,” the results will display below. As noted in the following figure, the results will include a table of summary statistics (i.e., mean and median expected payments and chance of payment) along with a chart that shows the likelihood of both ARC and PLC across a range of possible payments. Again, you are welcome to run the tool as many times as you want under as many different assumptions/scenarios as you want.

While the decision tool discussed above is for PLC and ARC-CO, we know that some producers will be interested in exploring possible payments under ARC Individual (ARC-IC). We have developed a separate, Excel-based tool that you are welcome to download from the same website (2026 ARC-IC Decision Aid).
Please note that USDA also announced that signup for the 2027 crop year will begin on November 2, 2026, and run through March 15, 2027. We will be providing an updated tool for the 2027 crop year as we get closer to November 2nd.
Our FREE tools are available for producers nationwide. If you have questions, please do not hesitate to reach out at 979-845-5913 or 1(888)890-5663.
Recommended citation format: Fischer Bart L., Joe L. Outlaw, Henry L. Bryant, Hank R. Nelson, Natalie Stewart, and J. Marc Raulston. “Making the ARC/PLC Election for the 2026 Crop Year.” Southern Ag Today 6(38.4). September 17, 2026. Permalink






