{"id":9721,"date":"2018-05-29T11:20:03","date_gmt":"2018-05-29T16:20:03","guid":{"rendered":"http:\/\/72.52.184.4\/~cropinsuranceina\/?p=9721"},"modified":"2018-05-30T16:42:03","modified_gmt":"2018-05-30T21:42:03","slug":"new-study-efforts-to-limit-hpo-would-increase-risks-to-farmers","status":"publish","type":"post","link":"https:\/\/iripreviewsite.com\/cropinsuranceinamerica\/new-study-efforts-to-limit-hpo-would-increase-risks-to-farmers\/","title":{"rendered":"New Study: \u2018Efforts to Limit HPO Would Increase Risks to Farmers\u2019"},"content":{"rendered":"<p>Just before the U.S. House of Representatives was set to vote on a Farm Bill amendment that would\u2019ve crippled crop insurance, a Kansas State University economist sent key policymakers a note alerting them to a new study that shed light on the negative impact of reducing revenue insurance coverage.<\/p>\n<p>The <a href=\"http:\/\/portal.criticalimpact.com\/go\/1\/041a862d66eb1331a6473c7b9fa19141\/29371\/95bd6abf0ecba43d\/9b9d7acf0ed560b53947229f28c3afba\">study<\/a> he circulated was not produced by Kansas State, but its contents were so timely and so significant, that he felt compelled to help its authors at the University of Illinois spread the word.<\/p>\n<p>That paper, by Illinois professors Gary Schnitkey and Jonathan Coppess, examined how farmers use revenue crop insurance tools like the Harvest Price Option (HPO) to help them forward contract their commodities.<\/p>\n<p>\u201cRecent criticism of crop insurance suggests that amendments could be placed in the Farm Bill to curtail HPO coverage,\u201d the authors wrote. \u00a0\u201cAs a result, understanding farmers pre-harvest hedging activities is important.\u201d<\/p>\n<p>Very little information existed about how farmers use these kinds of techniques, so Schnitkey and Coppess began their work with a survey of Midwest growers.<\/p>\n<p>\u201cSurvey results indicate that farmers use what can be termed prudent hedging strategies prior to harvest for marketing their crops,\u201d the authors explained.\u00a0 In fact, the survey found that 84% of Midwest farmers hedged a portion of their anticipated crop.<\/p>\n<p>The study succinctly explained how it works:<\/p>\n<p><em>Pursuant to a forward contract, a farmer agrees to deliver grain to a country elevator or processor at some point in the future, often near harvest time, but based on futures market prices at the time of the contract. This legally-binding contract locks in the price for the delivered grain as a hedge against lower prices at the time of delivery. While advantageous to the farmer in terms of protecting against lower prices, it also comes with risks that prices will increase, often as a result of lower yields for the crop nationally. In extreme situations, a farmer with significant yield losses may not have enough bushels to fulfill the contractual obligations and will need to purchase bushels to make delivery; bushels purchased in such a situation could well be at a higher price than the farmer contracted.<\/em><\/p>\n<p>And that\u2019s where HPO comes in.\u00a0 Farmers pay more for the insurance option. It indemnifies losses at harvest-time prices rather than planting-time prices, enabling farmers to purchase enough commodity off the open market to fulfill their forward contract.<\/p>\n<p>Without access to HPO, as some agricultural opponents are advocating, farmers would reduce pre-harvest hedging, the study found, and introduce even more risk into farming.\u00a0 This is particularly troubling considering the survey also found that the farmers who most use these techniques also report to obtain the bulk of their families\u2019 incomes from the farm.<\/p>\n<p>\u201cIn other words, those impacted the most by this policy change (eliminating HPO) are those who most rely on farming for their family income,\u201d the study concluded.\u00a0 \u201cCongressional efforts to limit HPO would increase risks to farmers.\u201d<\/p>\n<p>Lawmakers in the House overwhelmingly defeated the amendment designed to harm crop insurance, though it still needs to pass the Farm Bill.\u00a0 The Senate is slated to begin its Farm Bill deliberations soon, where critics are again expected to attack HPO and other components of farmers\u2019 primary risk management tool.<\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>Just before the U.S. House of Representatives was set to vote on a Farm Bill amendment that would\u2019ve crippled crop insurance, a Kansas State University economist sent key policymakers a [&hellip;]<!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":22,"featured_media":9723,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32,37,25],"tags":[],"class_list":["post-9721","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-farm-policy","category-risk-management","category-whats-cropping-up"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - 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