ARC / PLC

2025 Payments & 2026 Decision

• ARC/PLC payments for 2025 crop year will be paid in October 2026. Producers will automatically receive the higher payment between the two programs.

• Estimated ARC/PLC Payments for 2025 Crop Year

• Also around Oct. 2026 (date still TBD by RMA) producers will make a decision for the 2026 crop year (which will be paid in October 2027).

  • Previously, it was not possible to select ARC-Co if you had SCO (an endorsement on MPCI policy) but that restriction has been removed. You can now have SCO and still choose either ARC or PLC.

• ARC & PLC are both FSA programs that provide coverage on 85% of your BASE acres

• ARC - Agriculture Risk Coverage

  • ARC is revenue ONLY

• PLC - Price Loss Coverage

  • PLC is price ONLY

• Sign-up period - TBD, est. October:

  • Sign-up for ARC & PLC is done through your FSA office (by crop, by FSN).

Below is a KEY SUMMARY TABLE of the 2025 and 2026 prices

• Prices

  • The ARC prices have been set at $5.03 Corn & $12.17 Beans

  • The PLC prices have been set at $4.42 Corn & $10.71 Beans

  • National Marketing Year Average (MYA) prices are still being formalized but are currently estimated at $4.15 Corn & $10.47 Beans

    • the pricing period runs from Sep 1, 2025 to Aug 31, 2026

ARC-CO payment calculation details:

• The ARC-CO revenue guarantee = 90% x (ARC-CO benchmark revenue)

• ARC-CO benchmark revenue = (ARC-CO benchmark price) x (ARC-CO benchmark yield)

  • ARC-CO benchmark price = 5 yr. olympic (drop high and low) avg. of the 5 most recent annual benchmark prices

    • annual benchmark prices = higher of: effective reference price -OR- the respective MYA price

  • ARC-CO benchmark yield = 5 yr. olympic (drop high and low) avg. of previous ARC-CO county yields (2 year lag and now trend adjusted up as mentioned above, and each year is capped at)

• ARC-CO actual revenue = (ARC-CO actual price) x (ARC-CO actual county yield)

  • 2025 ARC-CO actual price = higher of : 2025-26 MYA price -OR- 2025 national avg. loan rate

  • ARC-CO actual county yield = actual average yield for the county based on RMA yields that are received through crop insurance production reporting (MPCI).

• ARC-CO payment rate = lesser of

  • (ARC-CO revenue guarantee) - (ARC-CO actual revenue)

  • capped at 12% of the ARC-CO benchmark revenue

• YOUR FARM’S PAYMENT = (applicable payment rate)  x (your farm’s base acres) x 85%

PLC payment calculation details:

• If MYA price comes in LESS THAN the PLC reference price, then there is a payment:

• PLC ERP (Effective Reference Price) = higher of:

  • base Reference Price - $4.42 Corn, $10.71 Soybeans

    • -OR-

  • 85% of the 5yr Olympic MYA price for the previous 5 crop years given a 2 year lag (so for 2026, it looks at the MYA prices for 2020-2024).

    • i.e. take out the high and low prices for last 5 yrs & discount by 15%

  • 2026 PLC prices: $4.42 corn and $10.71 beans

• The PLC ERP is capped at 115% of the Reference Prices

  • In other words, the PLC reference prices can NOT increase by more than 15%.

• YOUR FARM’S PAYMENT = (ERP - MYA price)  x (your farm’s PLC yield) x (your farm’s base acres) x 85%

Related webinars from 2024

Links to key websites / documents:

Last Updated: 9-9-2026

Want to Discuss or have Questions?

• If you would like to discuss, get a quote or have questions, please contact us - call, text or email.