# Bookkeepers & Tax Preparers — Coverage Checklist

*Reconcile your own coverage.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: practice revenue (retainers + tax season)
- [ ] You could produce this estimate in your sleep — this is the nudge to do it for your own household.
- [ ] 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: Open Enrollment colliding with year-end close and organizer season
- [ ] Have an answer for: Tax-season income spikes complicating an otherwise stable year
- [ ] Have an answer for: S-corp premium mechanics applied to every client except yourself
- [ ] Have an answer for: Advising on MAGI daily while your own estimate sits unfiled

## Fast facts to remember
- **November** — enroll before organizer season
- **Busy season** — average the spike into the year
- **Your S-corp** — the payroll rule applies to you too

## 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.