# Farmers & Ranchers — Coverage Checklist

*Income, not acres.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: schedule f revenue (average of recent years)
- [ ] Once you can see how the season has gone, update the estimate so the subsidy tracks reality.
- [ ] 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 land and equipment wealth rules out any assistance
- [ ] Have an answer for: Projecting next year in a business the weather controls
- [ ] Have an answer for: Networks that do not include the nearest hospital
- [ ] Have an answer for: High injury risk a long way from a trauma centre

## Fast facts to remember
- **Income** — not acres
- **Schedule F** — average several years
- **The hospital** — check the network first

## 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.