The Stacked Income Protection Plan (STAX) for upland cotton and the Supplemental Coverage Option (SCO) are area-wide crop insurance tools that serve as complements to individual crop insurance policies. Consideration of STAX and SCO requires producers to make tough decisions regarding other safety net programs: Agriculture Risk Coverage-County (ARC-CO) and Price Loss Coverage (PLC). This article describes STAX and SCO and shows how they work in relation to ARC-CO and PLC, using an example cotton farm in Texas. The example farm models the impact of safety net decisions on 2022 crop year payments and provides insight into producer decisions.