A recent policy analysis by Dylan Turner and Shawn Arita from NDSU’s Agricultural Risk Policy Center explores how the One Big Beautiful Bill, signed into law on July 4, 2025, brings the most substantial changes to federal crop insurance subsidies in more than two decades.
The OBBB raises premium subsidy rates for Basic and Optional Units by 3 to 5 percentage points across all coverage levels, the first such adjustment since 2000.
Though the legislation does not explicitly modify Enterprise Unit subsidies, existing provisions in the Federal Crop Insurance Act require subsidy parity between unit types. This may trigger further increases in EU subsidies to ensure consistent per-acre support across insurance structures.