This article analyzes issues related to the U.S. farm workers’ utilization to health care services and their specific choices among health care provider and health bill payment method options. Our findings validate the significant influence of health insurance coverage on health care access, and emphasize the reality of constrained access due to federal regulations, among other factors, prevalent among immigrant farm worker groups, who have relatively lower probability of using health care than citizen farm workers. Moreover, as most farm workers patronize private clinics and community health centers, they usually are also left only with the option to settle health care bills with out-of-pocket funds.