Higher premium subsidies have put Supplemental Coverage Option (SCO) and Enhanced Coverage Option (ECO) crop insurance back on farmers’ radar for 2026. This article breaks down three common questions farmers are asking as they evaluate how these area-based options work and what role they may play in managing risk.

1. Should the fact that the county expected yields lag actual yields influence my decision?
2. Why is ECO 95% preferred over ECO-90% and SCO?
3. Should I avoid SCO and ECO if my Actual Production History (APH) yield is above RMA’s expected yield?

This farmdoc analysis examines how county yields affect SCO and ECO performance, how often payments may be triggered, and which differences matter most across coverage levels. For farmers considering these tools, understanding how SCO and ECO function in real-world scenarios is key to making informed insurance decisions.

For additional support in evaluating these policies, contact your local ProAg independent crop insurance agent.

Schnitkey, G., N. Paulson, C. Zulauf and H. Monaco. “Common Questions on SCO and ECO.” farmdoc daily (16):30, Department of Agricultural and Consumer Economics, University of Illinois at Urbana-Champaign, February 24, 2026.