# Consultants & Fractional Executives — Coverage Checklist

*Past the subsidy line.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: consulting revenue (full year)
- [ ] If you are an S-corp, settle the premium-through-payroll mechanics with your accountant before the plan year.
- [ ] 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: Assuming the marketplace is the only option when no subsidy applies
- [ ] Have an answer for: S-corp premiums paid the wrong way, jeopardizing the deduction
- [ ] Have an answer for: Wide-network access needed for travel and client sites
- [ ] Have an answer for: Under-using an HSA at a high marginal rate

## Fast facts to remember
- **Off-exchange** — compare past the credit range
- **>2%** — S-corp premiums go through payroll
- **HSA** — worth more at higher rates

## 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.