# Home Daycare & Childcare Providers — Coverage Checklist

*Essential work, covered.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: childcare income (full year)
- [ ] Near the bottom of the subsidy range, small changes move the outcome — estimate with help if you are close to the line.
- [ ] 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: Estimating from parent payments instead of Schedule C net profit
- [ ] Have an answer for: Sitting near the Medicaid line in a non-expansion state, where the estimate is everything
- [ ] Have an answer for: Deferring your own coverage while caring for everyone else’s children
- [ ] Have an answer for: Sorting your own kids’ coverage alongside your own

## Fast facts to remember
- **Time-space** — the home-daycare deduction
- **CSR** — strong help at modest incomes
- **One application** — covers the whole household

## 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.