# Adjunct Professors & Tutors — Coverage Checklist

*Six courses, zero packets.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: adjunct wages, all institutions (full year)
- [ ] A paycheck gap is not a Qualifying Life Event — budget across it instead of dropping coverage.
- [ ] Add all other household income (spouse W-2, side work) — the marketplace wants one combined figure

## The traps in your line of work
- [ ] Have an answer for: Teaching a full-time load with no single employer owing benefits
- [ ] Have an answer for: Semester pay cliffs and uninsured summers
- [ ] Have an answer for: W-2 and 1099 income tangled into one confusing estimate
- [ ] Have an answer for: Waiting on a tenure-track posting instead of solving this year’s coverage

## Fast facts to remember
- **Per employer** — hours never combine
- **Summers** — estimate the whole calendar
- **W-2 + 1099** — one household number

## Before you enroll
- [ ] List your doctors and check them against the plan network
- [ ] List prescriptions and check the formulary
- [ ] Compare at least two plans on deductible AND network, not premium alone

Full guide: https://bishopplans.com/health-insurance-for/ · Tools: https://bishopplans.com/health-insurance-for/tools/
Free to share. Not legal or tax advice.