# Electricians — Coverage Checklist

*Test your coverage before you touch.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: w-2 wages + side-work revenue (full year)
- [ ] An employer or fund offer changes credit eligibility — run the affordability test before assuming the marketplace.
- [ ] 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: Fund eligibility dropping in exactly the slow stretch that caused it
- [ ] Have an answer for: Side-work income left out of the household estimate
- [ ] Have an answer for: Owner comp exemptions with no health plan behind them
- [ ] Have an answer for: Employer offers accepted or rejected without running the affordability test

## Fast facts to remember
- **Banked hours** — fund eligibility rides on them
- **60 days** — after fund coverage lapses
- **Side work** — adds to the household number

## 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.