We're proud to offer affordable health insurance solutions for farmers and their families

Protecting yourself and your family is important. That’s why DFA Insurance works with health carriers all over the country to help you find the right plan for you and your family. The individual insurance market is ever changing and can be complicated. DFA Insurance knows the market, the health carriers and the products, and can navigate you through the process so you are protected.

Each year, there is an individual open enrollment period. This is the only time during the year that you can enroll in the individual market unless you have a qualifying event. A qualifying event can include loss of job, relocation, marriage, divorce or change in employment. The individual open enrollment period changes year to year, but it typically runs in November to early December. 
*All products may not be available in all states

Individual Health Product Options

When looking at plan design and coverage, consider the following:
  • Deductible Levels.
    • ​Deductibles can range from $500–$6,500. Consider what you are comfortable with and how those deductibles affect the cost
  • Out of Pocket Maximums 
    • This is the most you will pay in a given year and can vary greatly
  • Prescription Drug Coverage 
    • Consider if you are more comfortable with low copayments or if prescriptions are subject to your annual deductible
  • Provider networks
    • Some carriers may only have one provider network available, while others may provide you a choice.  Smaller, more restrictive networks may allow you to keep your premiums costs down but you always need to make sure that your doctors and hospitals participate in the network

With all of these considerations, DFA Insurance will walk you through the process to ensure you have the plan that best fits you.

Individual Health Product Options Individual Health Product Options


Individual insurance can only be purchased during the annual open enrollment period which typically runs from Nov. 15 to Dec. 15 of each year.

Explanation of Products

Products that may be available:

  • HMO – Health Maintenance Organizations (HMO) typically do not have out-of-network benefits, which means if your doctor or hospital is not in the network, there is no coverage. HMOs also require you to choose a Primary Care Physician (PCP) and all of your care is coordinated through your PCP. HMOs are typically the most restrictive plans

  • PPOs – Preferred Provider Organizations (PPO) typically have the largest networks. They also have out of network benefits that require higher out-of-pocket costs. PCPs are not required

  • EPOs – Exclusive Provider Organizations (EPO) are similar to PPOs, but they do not have out-of-network benefits

  • HDHPs – High Deductible Health Plans (HDHP) typically have higher deductibles than other plan designs. Typically, all benefits are subject to the deductible including prescription drugs except for preventive benefits which are covered in full. HDHPs can also be coupled with Health Savings Accounts (HSAs)

  • HSAs – HSAs are savings accounts that are owned by the employee and can be used for out-of-pocket medical expenses 

  • STM Plans – Short Term Medical Plans (STM) are typically like PPOs in coverage and networks. The difference is that they only cover you for a short period of time (typically 60 days) and can be purchased outside of the annual open enrollment. Having one of these plans does not protect you from the healthcare reform individual mandate penalty 

  • ASA Plan – Agri-Services Agency administers its own plans, which DFA Insurance offers, that follow all of the rules of health care reform. They are only available to certain individuals and in select states. Call DFA Insurance to see if it is available in your area