For those interested in these plans:
I contacted the Farm Bureau customer support line and they suggested waiting until November to go through underwriting and obtain a firm price at that time since I'm looking for new coverage to start in January 2026. However, the representative was able to offer some insight on pricing and underwriting qualifications. More specifically, the representative indicated that underwriting would require results from a recent (within 12 months) blood test and a list of drugs prescribed in the last year. He mentioned that the pricing could vary depending on items of concern from the tests. For example, a high LDL cholesterol (above 190) level would increase the premium into a second pricing band on one of the plans. However, the plans vary as to what risk levels they assume, with some plans simply not accepting certain conditions where other plans adjust pricing or place a waiver on a specific heath condition. He indicated some plans are easier to qualify for than others.
I should know more come November since I've not seen an actual contract/policy yet. But my initial impression is that individuals/families lacking preexisting conditions or drug requirements may find the Texas Farm Bureau plans to be an acceptable alternative to the ACA plans. For example, they have a catastrophic plan for those looking to that level of coverage. I've not yet gained any insight into their claims process or how frequently their rates increase, but I'll update this thread as I gain more insight.
I contacted the Farm Bureau customer support line and they suggested waiting until November to go through underwriting and obtain a firm price at that time since I'm looking for new coverage to start in January 2026. However, the representative was able to offer some insight on pricing and underwriting qualifications. More specifically, the representative indicated that underwriting would require results from a recent (within 12 months) blood test and a list of drugs prescribed in the last year. He mentioned that the pricing could vary depending on items of concern from the tests. For example, a high LDL cholesterol (above 190) level would increase the premium into a second pricing band on one of the plans. However, the plans vary as to what risk levels they assume, with some plans simply not accepting certain conditions where other plans adjust pricing or place a waiver on a specific heath condition. He indicated some plans are easier to qualify for than others.
I should know more come November since I've not seen an actual contract/policy yet. But my initial impression is that individuals/families lacking preexisting conditions or drug requirements may find the Texas Farm Bureau plans to be an acceptable alternative to the ACA plans. For example, they have a catastrophic plan for those looking to that level of coverage. I've not yet gained any insight into their claims process or how frequently their rates increase, but I'll update this thread as I gain more insight.
Statistics: Posted by daebt376 — Wed Sep 10, 2025 11:46 am — Replies 11 — Views 1544