Farm Bureau Health Plans advocate outlines benefits and risks of proposed Ohio program

The Ohio House Insurance Committee convened on March 18, 2025, to discuss House Bill 99, which proposes the establishment of health plans through the Ohio Farm Bureau. The meeting featured testimony from Mr. Sanders, representing Farm Bureau Health Plans from Tennessee, who provided insights into the organization's history and operational model.

Mr. Sanders began by highlighting the Farm Bureau's long-standing presence in the health insurance sector, noting that they have been offering health plans since 1947. He explained that the proposed plans in Ohio are designed to fill a gap created by the Affordable Care Act (ACA), particularly for middle-class individuals who do not qualify for subsidies or employer-sponsored health plans. He emphasized that the Farm Bureau's model has been successfully implemented in ten other states, with Ohio potentially serving around 10,000 covered lives.

During his testimony, Mr. Sanders addressed common concerns regarding the impact of these plans on the existing health insurance market. He asserted that the Farm Bureau operates as a trusted partner within the healthcare community, collaborating effectively with providers and traditional insurance carriers. He argued that their plans would enhance, rather than disrupt, the ACA marketplace.

The discussion also touched on consumer protection measures. Mr. Sanders assured the committee that the Farm Bureau has robust protections in place for its members, including a commitment to comply with state insurance department regulations and a structured internal complaint process. He clarified that once members are enrolled, their coverage remains stable, and they cannot be dropped due to health issues, barring non-payment of premiums.

Committee members raised questions about the regulatory status of the Farm Bureau's plans, with Mr. Sanders confirming that they are not classified as traditional insurance under Tennessee law. This distinction raised concerns about the potential for unregulated sales practices and the need for consumer awareness regarding the nature of the coverage being offered.

In response to inquiries about claims and complaints, Mr. Sanders outlined the internal processes available for members to address grievances, including the option to pursue legal action if necessary. He reiterated the organization's commitment to transparency and member satisfaction.

The meeting concluded with Mr. Sanders expressing confidence in the benefits that House Bill 99 would bring to Ohio's farming community, emphasizing the importance of providing accessible health coverage tailored to their unique needs. The committee is expected to continue deliberations on the bill, considering both the support and opposition it has garnered.