# Bartenders & Servers — Coverage Checklist

*Tips count. So do you..* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: wages + reported tips (all jobs, full year)
- [ ] Two part-time W-2s combine into one household number — total everything before you shop.
- [ ] 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: Scheduled just under the hours line so benefits never trigger
- [ ] Have an answer for: Tips making income hard to estimate — and risky to under-report
- [ ] Have an answer for: Two or three jobs, none of which offers anything
- [ ] Have an answer for: Never having heard of cost-sharing reductions at exactly the income where they are strongest

## Fast facts to remember
- **30 hrs** — the ACA full-time line
- **Tips** — count toward MAGI
- **CSR** — strongest at service-industry incomes

## 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.