# Content Creators & Influencers — Coverage Checklist

*Built for spiky income.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: recurring revenue (platform + subscriptions)
- [ ] Treat one-off brand deals as upside: update your application when they land rather than guessing in January.
- [ ] 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- [ ] Have an answer for: An income estimate that is obsolete within weeks of filing it
- [ ] Have an answer for: Repayment at tax time after a breakout year
- [ ] Have an answer for: Several revenue streams reported on different forms
- [ ] Have an answer for: Narrow networks that do not follow you when you travel to shoot

## Fast facts to remember
- **HSA** — three tax advantages in one
- **Recurring** — estimate from what repeats
- **Mid-year** — update after big deals

## 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.