# Private-Practice Dentists — Coverage Checklist

*Owner first, then the team.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: practice net income (owner share)
- [ ] Entity mechanics decide the deduction — settle premiums-through-payroll with your CPA 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: S-corp premiums paid outside payroll and a deduction quietly lost
- [ ] Have an answer for: Losing hygienists to practices that offer coverage
- [ ] Have an answer for: Renewal shock on a tiny group plan repriced after one claim year
- [ ] Have an answer for: Production risk concentrated in two hands and a cervical spine

## Fast facts to remember
- **>2%** — S-corp premiums via payroll
- **ICHRA** — fixed-cost team benefit
- **Own-occ** — disability guards production

## 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.