ARC-IC Stands on its Own for 2025
There will be no greater of PLC or ARC-IC. The top-up is only for ARC-CO.
For the 2025 crop year, almost every farm gets the higher of PLC or ARC-CO. FSA runs both numbers, commodity by commodity, and pays the better one. No election, no paperwork. Checks go out beginning in October 2026.
If you elected ARC-IC, you are not in that comparison.
That is not an accident. Section 9015(i), added by the One Big Beautiful Bill Act, says the Secretary shall pay the higher of price loss coverage and “agriculture risk coverage county coverage payments.” Individual coverage is a separate selection under the statute. Congress named only one of them, therefore, ARC-IC is stuck with that payment calculation.
How many acres?
FSA’s enrolled base report as of January 14, 2026 shows 246,629,098 total enrolled base acres. ARC-IC accounts for 1,537,623 — six-tenths of one percent. PLC has 71,855,105 acres and ARC-CO has 173,236,370.
The top five crops in ARC-IC:
Those five are 1,506,802 acres — about 98% of all ARC-IC base.
Why anyone is in ARC-IC
Two reasons, mostly.
