# Commercial Fishermen & Charter Captains — Coverage Checklist

*Boom, bust, one estimate.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: settlements / charter revenue (multi-year average)
- [ ] Update the application after the opener — June knows what January could not.
- [ ] 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 off a settlement sheet instead of net after boat expenses
- [ ] Have an answer for: Assuming maintenance-and-cure covers the family or the off season
- [ ] Have an answer for: Income whiplash between quota years wrecking subsidy estimates
- [ ] Have an answer for: The most dangerous job statistics in the country, carried uninsured ashore

## Fast facts to remember
- **Crew share** — is self-employment income
- **Multi-year** — the only sane average
- **M&C** — ends at the dock — not insurance

## 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.